A Simple, Straightforward Approach To Paying For Long Term Care.

Unum's plan is simple-Total Home Care Rider-Once you qualify, you will receive the monthly benefit you selected based on where you receive care, even if your benefit payment exceeds the actual monthly charge you incur. You never have to submit a record of your expenses, and there's no hassle over the amount of your benefit. So when your Unum plan pays a benefit, you can use the money to meet the needs that you decide are most important.


Coverage Based On Where You Receive Care.

Unum offers you flexibility about how and where you receive care. This choice will depend on your needs, family situation and finances.

• in a Nursing Home or an Assisted Living Facility, or
  
• at home, through Professional Home Care, where care can be provided by a licensed professional.
• At home cared for by family or friends with total home care
  

The plan also includes a Respite Care feature

Coverage Based On Your Ability To Live Independently.

Unum's Long Term Care Insurance pays benefits when you require substantial assistance with two out of six activities of daily living (ADLs), bathing, dressing, toileting, transferring, continence and eating, or suffer severe cognitive impairment that requires substantial supervision. The ADL loss must be expected to last for a period of at least 90 days, as certified by a physician, and care must be provided pursuant to a plan of care prescribed by a licensed health care practitioner. (Recertification must occur every 12 months by a physician to confirm that the disability still exists.) ADLs are the most widely accepted measure of an individual's ability to live independently.

Activities of Daily Living (ADLs)

Definitions for the six ADLs are as follows:

• BATHING – washing oneself by sponge bath; or in either a tub or shower, including the task of getting into or out of the tub or shower with or without equipment or adaptive devices.
• DRESSING – putting on and taking off all items of clothing and any necessary braces, fasteners or artificial limbs.
• TOILETING – getting to and from the toilet, getting on and off the toilet, and performing associated personal hygiene.
• TRANSFERRING – moving into and out of a bed, chair or wheelchair with or without equipment such as canes, quad canes, walkers, crutches or grab bars or other support devices including mechanical or motorized devices.
• CONTINENCE – the ability to maintain control of bowel or bladder function; or when unable to maintain control of bowel or bladder function, the ability to perform associated personal hygiene (including caring for catheter or colostomy bag).
• EATING – feeding oneself by getting food into the body from a receptacle (such as a plate, cup or table) or by a feeding tube or intravenously.