Unum Long Term Care

Underwritten by:
First Unum Life
Insurance Company

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Who controls your future?
Be prepared with long term care insurance from Unum.

Long term care insurance

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

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 during their lives²
Annually, about 9 million people use long term care services.³

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 ($22/hour)

• Left over for out-of-pocket expenses

	$36,000
-	$28,600/year*
=	$7,400

Assisted living:

• Long term care annual benefit

• Assisted living ($4,380/month)

• The cost of care that you will pay out of pocket

	$36,000
-	$52,560/year**
=	-$16,560

Private nursing home:

• Long term care annual benefit

• Private nursing home ($273/day)

• The cost of care that you will pay out of pocket

	$36,000
-	$99,645/year
=	-$63,645

*Based on receiving care five hours a day/five days a week at $22/hour. For illustrative purposes only.
**For illustrative purposes only. Based on 100% home case and 100% assisted living facility. Other options may be available

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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