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Â鶹´«Ã½ offers a group Long Term Care plan to all full time faculty and staff. Some benefits of this group long term plan include:

• Flexibility to purchase a plan that is tailored to best fit your needs and the needs of eligible family members including spouses/domestic partners, parents, children, siblings and grandparents;
• Lower group-rated premiums as compared to premiums for individuals;
• Convenient payroll deductions for employee and spousal coverage;
• Full portability upon separation or retirement from Â鶹´«Ã½.

This voluntary benefit is being offered by UnumProvident Life Insurance Company of America. Enrollment in the Long Term Care insurance program continues on a rolling basis. If you would like an enrollment package for the Long Term Care program at any time during the year, please visit . In most cases, medical Evidence of Insurability (EOI) will be required by UNUM and may impact the approval of your application for this benefit.

The rate will not increase because you grow older or because of your use of the benefits . However , the rate schedule may change in the future depending on the overall use of the benefits of all covered persons or changes in the benefit levels, plan design or other risk factors . Any such change will be made on a class basis according to Unum' s underwriting risk studies under this type of insurance.

Long Term Care Summary Plan Document (PDF)

Please note the following:

• Unum discontinued issuing new group long-term care policies earlier in February, 2012. They will continue to support all existing plans and plan participants until those obligations have been met. As of June 30, 2012, UNUM, for its LTC business segment had assets of more than $32 billion.
• Q&A on this topic from UNUM (PDF)