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LTC Insurance

  • Supplemental Long-Term Care Insurance is provided by Unum. Long Term Care 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 cognitive impairment (such as Alzheimer’s disease). Please see the certificate of coverage.

    Eligibility
    Active three quarter time or greater employees are eligible to enroll in the plan and participation in the program is optional. Eligible family members are subject to medical underwriting and include parents (in-laws), grandparents (in-laws), spouses, adult children and siblings 18 years or older. Employees do not have to purchase a policy for themselves in order for family members to apply for coverage. 

    Enrollment
    New employees must enroll within the first 31 days of employment. After the initial enrollment period, employees must wait until open enrollment to add or make changes to their coverage. 

    Cost
    Premiums are fully paid by the employee on an after-tax basis and the University does not contribute towards these premiums. Premiums are based upon the insured individual’s age when enrolled. Rates are subject to change if carrier adjusts pricing structure for all groups in Ohio. See the long term care rate sheet for more details. 


    Converting Long Term Care to an Individual Policy
    Upon separation from the University, employees have the option of retaining their Long Term Care policies and paying premiums directly to the carrier. If the former employee does not convert insurance to an additional policy, the coverage will cease.

    Links
    Certificate of Coverage (PDF) 
    Enroll in Long Term Care
    Long Term Care Enrollment Form (PDF)
    Long Term Care Rate Sheet (PDF)
    Unum Website