The District provides basic Long Term Care coverage through Unum. Long Term Care Insurance provides assistance with daily living activities such as bathing, eating, and dressing when you or a family member are no longer able to perform these activities.

*PLEASE NOTE: If any information described on this site differs from the plan documents, the plan documents will prevail.

Unum Long Term Care Plan

The Plan provides options for care in a variety of settings, including nursing homes, assisted living facilities, adult day care facilities, hospices, or your own home. If you would like even more protection, you may purchase Buy-Up Long Term Care coverage. Premiums are based on age, type of care, and benefit amount. Please note that you may purchase this benefit for your in-laws as well.

Employer-Paid LTC Base Plan Academic Administrators, Classified Management, Board Members & Faculty Classified & POA Employees
Facility Benefit Amount $1,000 $2,000
Facility Benefit Duration 4 Years 3 Years
Daily Assistant Living Benefit 60% 75%
Home Care Benefit 50% 75%
Elimination Period 180 Days 180 Days
Lifetime Maximum $48,000 $72,000

Unum Contact Information

Making Long Term Care Plan Changes

To make changes to your LTC plan, including address or name changes, adding or deleting dependents, etc.

  1. Complete the following form:
  2. Submit it to the Employee Benefits department
  3. If making a change due to a qualifying event such as marriage, divorce, birth of a child, etc., please make sure you submit your change form within 30 days of the qualifying event date

LTC Insurance Terms & Definitions

Benefit Amount

The amount that you will receive if your claim is approved. See plan summary for details such a frequency and payment details.

Benefit Duration

How long you will receive the benefit amount.

Elimination Period

The amount of time that must pass after the onset of illness or injury before the benefit will be paid.