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Welcome
to the site created
specifically for
FLORIDA INTERNATIONAL UNIVERSITY
Who controls your future?
Be prepared with long term care insurance from Unum.
Long term care insurance parentheses icon

The purpose of this communication is the
solicitation of insurance. Contact will be made
by an insurance agent or insurance company.
checklist

Your life, your choice
There are plenty of decisions
to make for retirement...
  • Fishing or golf?
  • Motor home or
    long-awaited cruise?
  • A house at the beach —
    or close to the grandchildren?


Long term care insurance may help you avoid a far more difficult decision: whether to exhaust your savings or liquidate your assets to pay for a period of long term care. This policy may help you be prepared for the financial realities and help you maintain control of some important decisions, such as:
  • Who would take care of me?
  • Where can I choose to receive care?
  • Would I be a burden on my children if my savings
    couldn't cover my care?


What is long term care?*
Whether it's due to a motorcycle accident or a serious illness, it is the type of care you may need if you couldn't independently perform the basic activities of daily living: bathing, dressing, using the toilet, transferring from one location to another, continence and eating, or if you suffered severe cognitive impairment from a condition such as Alzheimer's disease.


Who's at risk?
Long term care insurance is not just for the elderly.
  • Only 16% of American workers say they are very confident they would have enough money to pay for long term care expenses in retirement.1
  • 70% of people turning age 65 can expect to use some form of long term care services during their lifetime.2
  • Anually, about 9 million people use long term care services.3

house with nurse

How does this coverage help?

Here are some examples of how you
may use a long term care benefit of
$3,000 per month, based on the
national averages for care:4

Home health:
• Long term care annual benefit
• Home health aide ($21/hour)
• Left over for out-of-pocket expenses
$36,000
- $27,300/year**
= $8,700
Assisted living:
• Long term care annual benefit
• Assisted living ($3,293/month)
• The cost of care you will pay out-of-pocket
$36,000
- $39,516/year***
= $3,516
Private nursing home:
• Long term care annual benefit
• Private nursing home ($6,965/month)
• The cost of care that you will pay out of pocket
$36,000
- $83,580/year***
= -$47,580
* To be eligible for benefits, the insured must be a chronically ill individual, with qualified long-term care services provided pursuant to a plan of care prescribed by a licensed health care practitioner.
**Based on receiving care five hours a day/five days a week at $21/hour. For illustrative purposes only.
***Nursing home care based on receiving 24-hour care for one year. Assisted living based on 12 months of care.


How to
apply
parentheses Your benefit enrollment is coming soon. To learn more, watch for information from your employer.

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