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Long-Term Care Insurance—Regular Full-Time Employee

Phone number: 1.877.286.2852
Website: UNUM

The University offers regular full-time faculty and staff the opportunity to purchase voluntary long-term care insurance for themselves as well as their family (spouse, parents, parent-in-laws, grandparents, grandparent-in-laws, brothers, sisters, and children age 18 years and older) at competitive group rates. These group rates can provide a savings of 30 percent to 50 percent from similar individual long-term care insurance policies. Individual policies are issued by UNUM Life Insurance Company of America directly to the insured party.

What is Long-Term Care Insurance?

Long-term care is custodial care, a supportive type of care that people who are cognitively impaired or who are unable to perform activities of daily living (such as bathing or dressing) due to an accident, illness, or advancing age. The cost of providing long-term care is often a large sacrifice for family members and can lead to catastrophic financial loss.

People often believe that long-term care expenses are covered by their medical insurance plan. Unfortunately, health and disability insurance policies do not cover these expenses. Medicare only pays for up to 100 days of skilled care and does not cover custodial care. And Medicaid does not begin to cover these costs until assets have been exhausted to the poverty level. If you purchase long-term care insurance, you are buying protection for some or all of your savings and assets in the event the need arises.

There are several advantages to buying long-term care insurance through an employer group policy.

  • Price—Employer group prices are usually less than the price of individualized coverage for the same group of people.
  • Convenient Payroll Deduction—You (and your spouse) can have premiums automatically deducted from your paycheck.
  • Portability—You can take the same coverage and rates with you if/when you leave the University of Hartford.
  • Family Members—Your spouse and extended family members (parents, parent in-laws, grandparents, grandparent in-laws, brothers, sisters, and children age 18 years and older) are also eligible for the group rates, which can be a significant cost savings for them.
Enrollment Procedures

As a regular full-time faculty or staff member, you can elect to enroll in voluntary long-term care insurance during your open enrollment period (the first 30 days of employment) and you will be guaranteed a specific level of coverage regardless of your current health status. This guarantee issue allows regular full-time faculty and staff with the ability to enroll (or purchase) limited coverage without having to prove insurability.

If a regular full-time faculty or staff member elects to enroll after the open enrollment period, evidence of insurability will be required in order to apply for this benefit. The health questionnaire is included in the enrollment kit.

Please note that coverage for family members is not guaranteed and will also be subject to evidence of insurability.

To learn more about long-term care insurance, please refer to the enrollment material, available in HRD or UNUM's website. If you have any questions about long-term care insurance, please feel free to contact the University's long-term care insurance administrator, LTC Solutions, Inc., directly at (toll free) 1.877.286.2852.

Questions regarding this policy should be directed to your designated HR Service Partner.

This page is designed to summarize the University of Hartford's Voluntary Long-term Care Insurance. It is not intended to be all inclusive. Where there are differences between the provisions of this website and more specific statements contained in University files (such as plan documents), those statements shall control.
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