Benefit of Long Term Care

Post date: Feb 21, 2014 7:39:47 PM


Our Long Term Care Program is a supplemental program, available to members who meet the underwriting requirements, and who pay the necessary premium. Although most people who require long term care services are elderly, many are actually working-aged adults. Medical advancements and technological breakthroughs often prolong life, but not always at a full functional level. Many people wrongly assume that health insurance or government programs will pay these costs. However, individuals and their families often bear the brunt of these expenses. Moreover, government assistance is available only on a very limited basis, and individuals usually must “spend down” their assets in order to qualify.

Our Long Term Care plan begins paying benefits directly to the individual after 90 days. An individual covered under this plan can receive benefits if he or she cannot perform two or more Activities of Daily Living (bathing, dressing, toileting, transferring, continence, and feeding) while insured and his or her condition is caused by an injury, sickness or advancing age. Please visit the Unum website to learn the cost of this supplemental plan, and to receive an application.

For more information, e-mail Lew at LStrumpf@Prodigy.Net