Long Term Care

Long-term care insurance is available through UNUM Life Insurance Company of America. Long-term care helps employees meet the financial and personal needs a long-term care situation can present. This plan is guarantee issue to active employees, and is available to employee’s spouse, parents, grandparents, in-laws, grandparent-in-laws, siblings, and adult children (ages 18 to 80), through evidence of insurability.

Long-term care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living (bathing, dressing, toileting, transferring, continence, and eating), or suffers severe cognitive impairment (such as Alzheimer’s disease). This coverage may be used to cover expenses relating to care in a skilled nursing facility or home based care. There are four coverage plans available that offer long-term care facility coverage, professional home care, total home care, and simple inflation protection. The facility month benefit amount available is from $1000 to $6000 (in thousand dollar increments) and the benefit duration options are three years, six years, or unlimited.


The Gabor Agency