Unum is no longer accepting new enrollees effective February 1, 2026, if you have existing coverage, sign in to review your coverage.

Highlights

This program has features that are not often found in today's individual market, including:

Guarantee Issue - Most individual policies today are requiring medical underwriting that includes attending physician statements, blood draws, urine samples on every applicant. This plan offers newly eligible entrants a one-time “no medical questions” opportunity to purchase additional coverage (up to certain limits).
Professional Home and Community Care - Qualified Long Term Care Services through a Licensed Home Health Care Agency; by a Licensed Health Care Professional; or in an Adult Day Care Facility.
Lifetime benefits available as an enhancement - Lifetime benefits are no longer offered by the majority of carriers, yet many families with care histories like Alzheimer's find this feature very important.
Unisex pricing - In today’s individual LTC market, women pay 30-50% more than men. With your organization’s plan, men and women pay the same lower rate.
Return of Premium - In the event of death prior to age 65, your long term care plan will provide a return of premium, less benefits received, to beneficiaries of all insureds.
Portable - Take this policy with you when you leave employment.

Family Eligibility

Learn more and share this information with your extended family members, including:

Spouse
Parents (& In-Laws)
Grandparents (& In-Laws)

Issue ages: 18-80

Family includes natural/adoptive/step relationships. Medical Underwriting Required.

Tell your family they're eligible!

Documents

Familiarize yourself with the details of your plan.

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Long term care coverage may not be issued or approved until underwriting has completed any applicable underwriting review. In addition to possible medical questions asked during the application process, you may be contacted by a company representative or their vendor for additional information and/or you may be requested to take additional actions prior to approval of your long term care application (Ex: Attending Physician’s Statement, Underwriting Assessment, Medical Examination, etc.). Completing an application is not a guarantee that the application will be approved. If you do not respond to carrier underwriting requests in a timely manner, your application for long term care coverage may be denied. Some carriers may consider you ineligible for future coverage if previous application requests are denied. In addition, please be aware that carriers may impose an actively-at-work requirement that may delay coverage if you are absent from work due to injury, sickness, temporary layoff or leave of absence on your coverage effective date (or during a period prior to your effective date, as defined by the carrier) and may not begin until you return to work in active employment.

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Coverage Details