Unum group long term care: A smart choice for employers

Offering your workforce long term care coverage from Unum can provide the financial protection your employees need and value — and may not be able to purchase on their own.

Plan designs that reflect the importance of choice

Unum offers a variety of options so you can select the plan that best meets the needs of your employees and your business:

Flexible plan types	Indemnity and reimbursement plans are available to meet the needs of varying employer benefit programs. Several funding options are available.
Guarantee issue	Guarantee issue coverage is available to your eligible employees.
Family coverage available*	Employees’ spouses and immediate family members can purchase coverage at group rates (medical underwriting required).
Home care options	Care provided by a family member or friend (Total Home Care) or care provided by a licensed medical professional (Professional Home and Community Care) is available for those on claim who prefer to receive LTC in their homes.
Other plan features and choices	Inflation options Accelerated payment options Restoration of benefits International care benefit Bed reservation and respite care benefits Portability Caregiver support and resources

*Siblings and children are not eligible to apply for coverage in New York.

Understanding the need for long term care is the first step to making the right purchase decisions for your company and your workforce.