MADISON COUNTY CHARTER SCHOOL SYSTEM
LONG TERM CARE BENEFIT
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.
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
Contact Campus Benefits for assistance with claims.
Call 1-866-433-7661, option 5