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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?
    If the plan includes a home health option, it will allow 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.
Can Unum raise my LTC insurance premium or cancel my policy?
  • We will not cancel your coverage as long as your premiums are paid within your grace period.
  • Premiums will not increase as you age or if a claim is filed.
  • If premium rates are increased, it is done on on a class basis, meaning that a change in rate would apply to everyone in that class. Your rates can never be raised for your policy alone

  • 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.5

    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. As a Unum LTC customer, you have access to experienced claim professionals who can asnwer your claim quesitons and review whether long term care facilities and home service agencies are approved by Unum.

Back Next

1 EBRI, "The 2016 Retirement Confidence Survey" (2016)
2 U.S. Dept of Health and Human Services "Who Needs Care?" (n.d., accessed May 2016)
3 Centers for Disease Control and Prevention, "Long-Term Care Providers and Services Users in the United States: Data From the National Study of Long-Term Care Providers, 2013-2014" (2016)
4 Long Term Care Group, Inc., "2015 Cost of Care study" (January 2016)
5 LIMRA, "U.S. Group Long-Term Care Insurance: 2015 New Business and Inforce" (2016) Based on Inforce Groups.

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

EN-1168-NY (8/16)
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 B.LTC, GLTC95 or GLTC04 or contact your Unum representative.

Underwritten by: First Unum Life Insurance Company, New York, New York

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