Long-Term Care

  • A voluntary Long-term Care Insurance Program is available to all permanent employees (must work 16 or more hours/week) and AACPS retirees. Unum is the carrier. A variety of plan options exist within this program, which are available at group discounted premiums.

    All plan levels include coverage for professional home healthcare, assisted living facilities, and nursing homes, but are differentiated by inflation protection and non-forfeiture benefits. Facility benefit duration includes 3, 6, or unlimited duration of years. You select a monthly benefit allowance between $2,000 to $8,000.

    Eligible family members include spouse, parents & parents-in-law, grandparents & grandparents-in-law, siblings, and adult children (ages 18-80).

    To download an application (Benefit Election form), you must go to the web at http://unuminfo.com/aacps/index.aspx. Please note that the forms below must be completed when applying:

    • Benefit Election Forms
    • HIPAA Notice
    • Evidence of Insurability (EOI) forms (not necessary for new hires)
    • Notice of Applicant's Rights and Options
    • Long-Term Care Insurance Personal Worksheets (direct bill and family members only)
    • Protection Against Unintentional Lapse form
    • Acknowledgment of Disclosure of Rating Practices 

    New employees may purchase long-term care insurance with a guarantee issue coverage (no evidence of insurability required) within 31 days of their date of hire. Annual enrollment for active and retired employees and their family members occurs during the annual open enrollment period for all benefits every fall. Employees who are currently enrolled in Long-Term Care need not re-enroll during Open Enrollment (the benefit will automatically continue).