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:

Understanding LTC Coverage:

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

Administrator and underwritten by:

UNUM Life Insurance Company of America
2211 Congress Street
Portland, Maine

Local representative of UNUM:

Risty Benefits, Inc
PO Box 90335
Sioux Falls, South Dakota