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Long Term Care Summary -
Unum
January 1, 2007 -
December 31, 2007
Medical
Dental
Vision Vol.
Accident
Life/AD&D
Addt'l Life/AD&D
STD
LTD
LTC
Flex
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Information provided is in summary
format. Any difference between the summary provided and
actual contract will be settled in favor of the contract.
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Elimination Period |
90
consecutive days |
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Newly Hired Employees |
Once eligible, 30 days to sign up for Guarantee Issue
coverage. |
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All
Active Employees and Newly Hired Employees |
If enrolling after the Guarantee Issue enrollment
period or choosing benefits over the Guarantee Issue
limits will be required to fill out medical
questionnaire |
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Medical
Underwriting Effect Date |
The effective date for those applicants passing
medical underwriting between the 1st and 15th of the
month is the first month following their date of
approval. For those approved between the 16th
and the end of the month, their effective date is the
first of the month following their date of
approval.
Medical Underwriting means
that you must answer all questions on a medical
questionnaire. In some cases, an interview may
also be necessary. |
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Delayed
Effective Date |
If you are absent from
work because you are injured, sick, temporarily laid
off or on a leave of absence, your coverage will not
begin on your otherwise expected effective date. |
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Medical
Underwriting for Employees and Family |
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Employees |
Your employer funded basic plan, as well as additional
benefit amounts of up to and including $6,000 and a
Facility Benefit Duration of 3 or 6 years, is being
offered on a Guarantee Issue basis. This does
not require completion of the Long Term Care Insurance
Application (medical questionnaire) if you apply
during your initial eligibility period. The Long
Term Care Insurance Application is required if
enrolling after your initial eligibility period or if
you choose to buy $7,000, $8,000 or the Unlimited
Duration coverage. |
Retirees and all Family
Members |
Must complete the Benefit Election Form, the Long Term
Care Insurance Application and must be approved for
coverage in order to enroll in the Long Term Care
plan. All Medical Questionnaires
must accompany a signed return of the Authorization to
request Medical Information Form #6720-03 located
in the kit. |
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Benefit
Duration |
3 Years
Click
here for Rates |
6 Years
Click
here for Rates |
Unlimited Duration
Click here for Rates |
Employee
Facility Benefit Amount
Per $1,000 Increments |
$2,000 to $8,000 |
$2,000 to $8,000 |
$2,000 to $8,000 |
Family
Facility Benefit Amount
Per $1,000 Increments |
$1,000 to $8,000 |
$1,000 to $8,000 |
$1,000 to $8,000 |
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Assisted
Living Facility Percent |
60% |
60% |
60% |
Lifetime
Maximum
Per $1,000 Increments |
$36,000 |
$72,000 |
Unlimited |
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Non
Forfeiture |
Shortened Benefit Period |
Shortened Benefit Period |
Shortened Benefit Period |
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Professional Home Care |
50% |
50% |
50% |
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Total Home
Care - Option |
50% |
50% |
50% |
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Inflation
Protection - Option |
Compound Uncapped |
Compound Uncapped |
Compound Uncapped |
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Lifetime Maximum |
The Lifetime Maximum is the maximum benefit dollar
amount UNUM will pay over the life of your coverage.
This dollar amount is based on the Facility Benefit
Amount and Benefit Duration. For Example:
If you choose $3,000 Facility Monthly Benefit Amount
and 3 Year Duration, your Lifetime Maximum is
calculated as follows: $3,000 per Month X 12
Months X 3 Years = $108,000 Lifetime Maximum. |
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Insurance Age |
Insurance Age is used to determine the cost of your
coverage. Insurance Age is your age on the plan
effective date if you enroll for coverage prior to the
plan effective date. If you enroll for coverage
on or after the plan effective date, insurance age is
your age on the date you sign the enrollment form. |
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Questions |
Call 1-800-227-4165 |
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