Long Term Care

Long Term Care Insurance

Unexpected events, such as a serious illness or accident, as well as the aging process, can leave you in a vulnerable position -- both personally and financially.  You may know of someone who is caring for a family member, or you may be caring for someone yourself. Who would take care of you if you needed help, and how would you pay for that care?  To help ease this burden, Lee’s Summit School District offers a long term care insurance plan through Unum Life Insurance Company of America.

What is long term care? It is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living (bathing, dressing, toileting, transferring, continence and eating), or suffers severe cognitive impairments (such as Alzheimer’s disease).

UNUM’s long term care plan allows you to maintain choice and control over your life by allowing you to choose who will give you care and where you will receive care.  It also allows you to maintain control of how your benefits and assets are used.

Not only can you purchase long term care insurance for yourself, you can also purchase it for your spouse, parents, grandparents, siblings and in-laws (the maximum issue age is 80), but the entire amount of their coverage will be subject to medical underwriting and approval by Unum.

Once you qualify for benefits, UNUM pays you a cash benefit each month, according to the level of coverage you have selected.  The money can be used for any reason that you choose. There are no invoices to keep track of or bills to submit.

Why buy now? Because the younger you are when you buy UNUM’s long term care insurance, the lower the cost.  In addition, if you are a new hire, you are guaranteed coverage (within limits) during your initial enrollment period.

If you are a current employee who has had an opportunity to join this plan in the past, but declined to participate, you can enroll at any time.  However, any coverage will be subject to medical underwriting and approval by UNUM. As an active employee or qualifying family member, you may be eligible for this valuable insurance coverage.

To learn more about the specific benefits available or to obtain an application, please visit the District’s information site: UNUM Info / Reorganized School District.  This site contains additional information and all necessary enrollment materials for you to enroll in Long Term Care coverage.  If you have questions or prefer your enrollment materials to be printed and mailed to your home address, please call UNUM at 1(800)227-4165.

Any amount of long term care insurance that requires medical underwriting will be effective according to the following schedule:

 

  • If coverage is approved between the 1 st and the 15 th of a month, coverage will be effective first of the month following approval.
  • If coverage is approved between the 16 th and 31 st of a month, coverage will be effective first of the next month following approval.

 

Accordingly, the additional premium will not be payroll deducted until the first of the month following approval.  Also, if your spouse is applying for coverage, his/her long term care insurance will be effective according to the above schedule as well.  Payroll deductions for spouse coverage will not begin until the first of the month following approval.

If you resign, retire or are terminated from the District, you will be eligible to continue your coverage at the same monthly rate you are paying as an employee.  For additional information on continuation of your Long Term Care insurance, please click here.

Learn More

Understanding Disability, LTC, and Life Insurance