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Get the coverage you need.

Won't my other insurance pay for long term care?
Unfortunately, no.
  • Medical insurance and Medicare are designed to pay for specific care for acute conditions — not for long term help with daily living.
  • Medicaid only helps with long term care expenses after you have depleted virtually all of your assets. The exact amount varies by state but usually leaves just a few thousand dollars in total assets.
Only long term care insurance may cover those costs and allow you to maintain as much of your assets as possible.

Do I need to be in a nursing home to use my LTC insurance?
All Unum plans include a home health option. This allows you to use your benefit to pay for an aide to come to your home, so you can remain in your residence as long as possible. For an extra premium, some plans allow you to pay a family member or friend to take care of you.

Why buy now?
People often buy long term care insurance at an early age, because the younger you are, the more affordable the rates. In fact, 63% of the people who buy group LTC insurance are under age 55.5
Why buy coverage at work?
  1. You may get more affordable rates when you buy this coverage through your employer and you may extend your coverage to your parents and spouse.
  2. Depending on your plan, you may be able to pay your premiums through convenient payroll deduction.
  3. Your employer has selected coverage from Unum, the leading provider of group LTC insurance for employees in the U.S.6

Additional help for caregivers
Even if you don't need long term care in the immediate future, you may be a caregiver for someone you love. Your plan includes LTC Connect® service, which gives you access to counselors who can help you find long term care providers in your area, a support group, or other assistance you may need. This service also provides discounts for medical equipment such as walkers, hearing aids, wheelchairs, and other related needs.

Back Next

1,2,3 U.S. Department of Health and Human Services, "National Clearinghouse for Long- Term Care Information," updated October 2008. Available at: http://www.longtermcare. gov/LTC/Main_Site/Understanding_Long_Term_Care/
Basics/Basics.aspx, cited November 17, 2009.
4 Genworth Financial, "2009 Cost of Care Study," April 2009.
5 American Association for Long Term Care Insurance, "2008 LTCI Sourcebook," February 2008.
6 LIMRA, 2008 Group LTC Report, 2009. Based on inforce cases. Excluding federal and California-specific Group LTC plans, Unum also ranks first in number of employees enrolled.

Nursing home care based on 24 hour care for one year. Assisted living based on 12 months care. Home care based on five hours of care per day, five days per week for Non-Medicaid Certified home health aide services.

For employee information

This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form GLTC04 or contact your Unum representative.

Underwritten by: Unum Life Insurance Company of America, Portland, ME
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