What is Long-Term Care? 

Long-term care insurance may help you avoid a far more difficult decision: whether to exhaust your savings or liquidate your assets to pay for a period of long-term care. Long-Term Care (LTC) is the type of care you may need if you could not independently perform the basic activities of daily living: bathing, dressing, using the toilet, transferring from one location to another, continence, eating, or if you have suffered a severe cognitive impairment from a condition such as Alzheimer’s Disease.


Plan Rules:

Eligibility: Full-time employees working 20 or more hours per week, your spouse, parents, siblings, or spouse’s parents, as well as your children over the age of 18

• Coverage through UNUM

• Must be actively at work on the effective date of coverage

• Choose the coverage that best suits your needs

• Keep your coverage if you retire or change employers

• You may elect coverage on your family members even if you do not elect coverage on yourself

• For New Hire Employees Only: Evidence of Insurability will only be required if electing a lifetime benefit duration; Spouse and Dependents must submit Evidence of insurability

• Employee & Spouse & Eligible Dependents: If electing outside of the initial open enrollment period (New Hire period), health questions will be required

UNUM Website Link

Contact Campus Benefits for assistance with claims.

Email: mybenefits@campusbenefits.com

Call 1-866-433-7661, option 5


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Phone: 866-433-7661 (Option 5)

Fax: 770-394-0333

The Madison County Schools' Benefit Portal is provided for illustrative purposes only. Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered are governed exclusively by the provider contract and associated Summary Plan Description (SPD). easy.