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:

Portable - Take this policy with you when you leave employment.
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.
Reduced Medical Underwriting - The application process for individual policies today requires extensive medical questions and medical records. Your organization's plan has fewer medical underwriting requirements.
LTC insurance is Health Savings Account (HSA) eligible!

Family Eligibility

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

Spouse/Domestic Partner
Parents (& In-Laws)
Employee's Siblings & their Spouses
Employee's Children & their Spouses
Retiree / Retiree Spouse

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.

Review My Coverage

Our Licensed Specialists are ready to help you!

877-485-2318 [email protected] Schedule an appointment

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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