LIA member companies and their employees, spouses,parents, grandparents, in-laws and retirees are entitled to a 5% discount from UNUM regardless of the size of your company-from a one man shop to a company with thousands of employees.
About UNUM
Click here for UNUM plan definitions

TYPE OF POLICY

Nursing home and home health care policy

BENEFIT POOL

Indemnity Single Pool of Money

NURSING HOME DAILY
BENEFIT

Ages 40-79  $50-$300

HOME HEALTH CARE
DAILY BENEFIT

Choice of 50%, 75% or 100% of the Nursing Home Daily Benefit

ASSISTED LIVING CARE
FACILITIES (ACLF'S)

Covered at 100% of Home care benefit or 60% of NH whichever is greater

ELIMINATION PERIOD

30,60,90 Once per lifetime except 30 is each event

BENEFIT PERIOD

Benefit Period (in Years):

2,3,6,years or lifetime

WAIVER OF PREMIUM

Begins immediately after the elimination period has been met.

BENEFIT TRIGGER

Benefit Eligilbility Criteria:

·  2 out of 6 ADLs

·   Cognitive Impairment

INFLATION OPTIONS

·  5% Annual Simple Increase

·  5% Annual Compound Increase  

OPTIONAL RIDERS AVAILABLE

·  Nonforfeiture Benefit

SPOUSAL DISCOUNT

·  Yes

RISK CLASS

·  Preferred

· Standard

 

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