Seguro de cuidados a largo plazo
Long-term care provides help with basic activities of daily living.
You’re eligible for long-term care (LTC) insurance through Unum if you’re an employee at The Johns Hopkins Hospital, Johns Hopkins Health System, Bayview Medical Center, Howard County Medical Center o Johns Hopkins Care at Home who regularly works at least 20 hours per week.
LTC insurance can be used to pay for eligible home, nursing home or assisted living care expenses that help with basic activities of daily life, such as eating, bathing and dressing.
This coverage also includes:
- Access to counselors who can help find LTC providers, support groups or other assistance near you.
- Discounts on medical equipment like walkers, hearing aids and wheelchairs.
Coverage options
There are four plans to choose from. All plans include this base coverage:
- Facility monthly benefit: $1,000 for three years
- Home monthly benefit: 50% of eligible expenses up to $500
- Lifetime maximum: $36,000
- Elimination period: 90 days
For a higher premium, you can choose plans that also include:
- Nonforfeiture: Automatically continue coverage with the same level of benefits if your policy is canceled or terminated.
- Compound inflation: Increases your monthly benefit and lifetime maximum by 5% every year.
Compare the plan options in the table below.
| What’s covered | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| LTC facilities | ||||
| Professional home care | ||||
| Total home care | ||||
| Nonforfeiture | ||||
| Compound inflation |
Alternative LTC coverage through whole life insurance
You can buy a whole life insurance policy that includes an LTC rider, which allows you to use benefits toward long-term care. The LTC rider is limited to you only (you can’t buy coverage for other family members) and included in the cost of the whole insurance policy, which won’t change overtime.
Learn more about whole life insurance.
Why LTC is important
The need for LTC can be long or unexpected, and the costs aren’t covered by traditional medical insurance.
Whether it’s an accident, illness, aging or conditions like Alzheimer’s and dementia, LTC insurance can offer peace of mind knowing you’re prepared for LTD needs whenever they may occur.
Costo de la cobertura
You pay 100% of the cost for coverage through payroll deductions. The amount you pay depends on your age and which plan you choose.
Use the LTC Calculator to estimate your costs.
Cómo inscribirse
You can enroll yourself, your spouse or your parents in LTC insurance on the Unum website any time during the year.
Coverage begins the first of the month following the month in which you enrolled. For example, if you’re hired May 15 and enroll in LTC insurance on June 4, your coverage begins July 1.
Contactos
Unum
Seguro de cuidados a largo plazo
866-679-3054
unuminfo.com/hopkinsmedicine