Long Term Care

Long Term Care (LTC) Insurance provides a benefit when someone needs assistance with at least two activities of daily living, which include bathing, dressing, toileting, transfer, eating and continence.This insurance is available for eligible employees and family members.

If you purchase Supplemental Life Insurance coverage, a basic long term care benefit is provided to you. You will receive information in the mail.

Important Long Term Care Information:

• Group Long Term Care Insurance Application - Evidence of Insurability 
• Frequently Asked Questions (FAQ)
• LTC Pre-kit (Understanding LTC Coverage)
• 2020 LTC Rates
• 2021 LTC Rates  (As of July 1, 2021)
• Employee Enrollment Form
• Family Enrollment Form
• Evidence of Insurability
• Partnership Plan Information
• Election to Continue Coverage 
  
• Unum - Long Term Coverage (Video)

Understanding LTC Coverage:

• Outline of Coverage
• Certificate Booklet
• Personal Worksheet
• Potential Rate Increase Disclosure
• Acknowledgement of Disclosure
• Protection Against Lapse

If you have questions, contact Risty Benefits, Inc or Unum:

Administrator and underwritten by:

Local representative of UNUM: