What's Covered

PLEASE NOTE: UNUM CANCELLED THE GROUP LONG TERM CARE PLAN ON MARCH 31, 2018

The Long Term Care Plan offers standard provisions regardless of which Long Term Care plan you select. In addition, you may choose from a combination of special buy-up options.

Standard Features

The following features are standard to Low Option and High Option benefits. If you apply for either plan, these benefits are automatically included.

Bed Reservation Benefit

If you require hospitalization for acute care while residing in a nursing or residential facility or a residential facility for the elderly, the plan will provide a benefit (for up to 15 days per calendar year) if a charge is made to reserve your accommodations in the facility. If such a hospitalization interrupts your completion of the elimination period, the plan will apply your days in the hospital toward satisfaction of the elimination period.

Facility Benefits

The plan will pay a monthly facility benefit for care received in a nursing facility, residential care facility or residential care facility for the elderly once you have completed the 90-day elimination period. Your treatment/plan of care must be developed by a licensed health care practitioner.

Home Care Benefit

A monthly home care benefit will become payable once you become eligible for benefits and have completed the 90-day elimination period, and are receiving home care services under a written plan of care. If you do not receive care for at least one day within a calendar week, the elimination period will begin again. "Home care" means services provided to you in your home by care providers who are not family members.

Your benefit will be based on the number of days you receive home care services each month. Before a benefit can be paid, you must provide proof of home care services received by indicating the number of days home care services were provided to you. If you receive home care services every day for a month, then a full monthly benefit will be paid. If you receive services for less than one month, a benefit will be paid at the rate of 1/30th of the monthly benefit amount for each day you are eligible for a payment.

If you are eligible for a home care benefit and are receiving home care services under a plan of care but are not yet receiving monthly payments because you have not yet completed the elimination period, you will be eligible to receive respite care benefits. The daily respite care benefit is equal to your daily home care benefit. The maximum respite care benefit is 15 days per calendar year. Respite care days will not count toward satisfying the elimination period. Payments made to you for respite care will not reduce your lifetime maximum amount. Respite care may be provided to you by any home health care provider available under the contract (except family members).

Return of Premium

If you are covered under the Long Term Care Plan and you die without ever having received a benefit, your premiums paid will be returned to your beneficiaries according to the following schedule.

IF YOU DIE BEFORE...	THE PLAN WILL RETURN THE FOLLOWING PERCENTAGE OF PREMIUMS PAID...
Age 66	100%
Age 67	90%
Age 68	80%
Age 69	70%
Age 70	60%
Age 71	50%
Age 72	40%
Age 73	30%
Age 74	20%
Age 75	10%
Age 76 or older	N/A

Premium Waiver

If you have completed the elimination period and begin receiving benefits, your premium will be waived until benefit payments end. You will receive a letter from the insurance company notifying you of your premium waiver. Premium payments are not waived, however, while you are receiving a payment for respite care.

Continuation of Coverage During Leave

If you are on a family or medical leave of absence, your coverage under the Long Term Care Plan will continue if:

You continue to pay premiums in accordance with the plan's provisions, and
The Company has approved your leave in writing.

Your coverage will continue until the later of:

The leave period required by the federal Family and Medical Leave Act of 1993, and any amendments
The leave period required by applicable state law
The leave period provided in the policy for your medical leave for sickness or injury

If you take a family or medical leave of absence and do not have continued coverage during the leave, no new waiting periods or pre-existing condition exclusions or limitations will apply when you return to active employment. Also, evidence of insurability will not be required to reinstate coverage that was in effect before the leave began.

Coverage will not continue during any type of leave other than a family or medical leave. However, you do have the option of converting coverage to an individual policy.

Subsequent Disabilities

If you become disabled again after the date you stop receiving monthly benefit payments, you will not have to complete a new elimination period.

Buy-Up Options

Once you become eligible to enroll in the plan and make elections, you will be able to choose from the following "buy up" options. These "buy up" options are in addition to your choice of Low Option and High Option coverage. You can choose any combination of the "buy up" options listed below.

Uncapped Compound Growth Inflation Protection

This provides an automatic annual increase in your monthly benefit amounts and lifetime maximum amount for as long as your coverage remains in effect including any time for which you are receiving long term care benefits. The increase, 5% of your monthly benefit, takes effect each January 1st, regardless of your health. Your premium will not increase because of these increases.

This buy-up option is available only when you first enroll; you cannot add it to your existing coverage at a later date. You may, however, apply for new coverage that includes the inflation protection feature (the inflation protection feature will only apply to your increased coverage, not your existing coverage). You will have to provide evidence of insurability as part of this application. The rates for your new coverage, if approved, will be based on your current age as of the time of application.

Nonforfeiture Benefit

If your premium payments stop after your coverage has been in force for three years, this benefit provides automatic continuation of your coverage with the same level of benefits. It does, however, reduce your lifetime maximum amount to the total premium paid up to the date you stopped paying premiums.

Under this benefit, your lifetime maximum cannot be less than three nursing facility monthly benefit payments, and it cannot exceed the maximum you would have had before you stopped paying premiums. If you also had the inflation protection option at the time premium payments stopped, the increase will apply once as of the date you last made premium payments.

Family Home Care Benefit

Family home care is available when you receive care anywhere other than a nursing facility, residential care facility, or residential care facility for the elderly. This care can be provided at any other type of facility, such as an adult day care facility, a hospice, or your home. You must receive family home care services under a written plan of care. "Family home care" means services provided by care providers who may also be family members.

If you are eligible for a family home care benefit but are not yet receiving monthly payments because you have not yet completed the elimination period, you will receive a benefit for each day that you receive respite care equal to 1/30th of the monthly family home care benefit, up to a maximum of 15 days per calendar year. Respite care days will not count toward satisfying the elimination period. Payments made to you for respite care will not reduce your lifetime maximum amount. Respite care may be provided to you by a formal, licensed caregiver or by an informal caregiver such as a friend or a family member.