Qualifications: If you are unable to perform 2 out of 6 activities of daily living (bathing, dressing, feeding, toileting, transferring, continence), or you have a cognitive impairment, you qualify for the Long Term Care benefit.
The lost of these functions could be due to a physical condition or mental disorder resulting from an injury or illness such as Alzheimer's disease, or because of advanced aging.
Benefits verification: read your Summary of Benefits carefully for explanations and descriptions of the benefits you are entitled to.
Plan 1: State Licensed Nursing Facility or Professional home care
Plan 2: State Licensed Nursing Facility or Total home care
Plan 3: State Licensed Nursing Facility or Professional home care plus 5% inflation protection
Plan 4: State Licensed Nursing Facility or Total home care plus 5% inflation protection.
If you prefer, you may request this form from us via e-mail, or you may call us at (800) 464-0452.
Submit the form to:
UNUM Long Term Care Benefits 2211 Congress Street Portland, Maine 04122-2300
The Insurance Company will request information from your doctor, gather the information received, review it and make a determination. During this process, the Insurance Company will keep in touch with you. This decision making process takes between 5 to 6 weeks. If you want to contact the Insurance Company, please call (800) 693-4988.
