• Can everyone qualify for LTC Insurance?
  Employees can receive coverage up to specified limits without a medical questionnaire. Non-employee applications will be reviewed by UNUM's medical underwriting.
  
  
• How much does LTC Insurance cost?
  UNUM's LTC Insurance Premiums are based on three factors:
  -Age
  -Current Health
  -What features you design into the plan.
  
  UNUM's Long Term Care Insurance plans have level premiums and are guaranteed renewable.
  
  
• Does it not save money to buy a LTC Insurance policy when I am in my 60's vs. at a younger age?
  The answer is no, LTC insurance is always less expensive the sooner you buy it -- not only less expensive each year, but overall. The table below shows an average person who obtains coverage at age 70 would pay in a total of $52,122 which is $15,727 more than if coverage was purchased at age 55, just 15 years sooner.
  
  
  

• Nursing home costs are high today; will they continue to go up?
  It is a safe bet that long term care costs will be more in the future than today. The table below highlights how much long term care could cost in the future if it only goes up by just 5% every year.
  
  

Check back soon, this page will be updated often with more Long Term Care and Insurance Questions!