Step 2: How to Enroll

Contact us at (800) 843-5513 to obtain a packet of information.

The packet will obtain enrollment information for you to complete and send back to us.

Long-Term Care Insurance


Long-Term Care insurance provides financial protection that can assist with the overwhelming cost of providing long term care for yourself or your family members.
 

Features of the Plan

Individual Long Term Care Insurance
Individual policies are also available on spouses, parents, In-laws and grandparents at the group discounted rates through Legacy Services and includes consultation. (Medical underwriting is required on these policies.)
Go to LTCi page ->

Group Long Term Care Insurance
UnumProvident offers members of KU T.E.A. the opportunity to purchase, on a guaranteed basis (No medical questions or exams), a long-term care policy. Members may purchase up to a $4,000 monthly benefit for up to a six-year duration. Additional coverage is available with medical underwriting.

Long-Term Care Insurance
Who needs Long-Term Care Insurance?

  • If you are planning for retirement and are concerned about helping to preserve your assets should you or a family member need special care.
  • If you have seen first-hand how families struggle to provide care and/or financial assistance for a loved one who needs nursing care.
  • If you worry about being a burden to your family
  • If you don't have children to assist you
  • If you want to remain independent for as long as you are able

Group Long-Term Care Rate Calculator

Policies issued by UnumProvident are totally portable at the same rate and benefit for members and their spouses. Policies issued for parents, In-laws and grandparents are billed directly to the policy holder. Rates are locked in at the current age of the policy holder and do not increase with age.

See the summary of benefits for all plan highlights including benefit limitations and exclusions.

Coverage Examples:

Frequently Asked Questions

When can I apply for this insurance?

If you have not joined KU T.E.A. before, you can join and apply for all insurance plans at any time. If you are already a KU T.E.A. member, you can do so at any time but you will be required to complete a health questionnaire.

When do I pay the $1 fee?

Your one-time $1 membership fee is added to your first monthly premium.

Are all children covered with just one rate?

Yes, the premium paid for child coverage is based on the cost of coverage for one child, regardless of how many children you have. Children are covered through age 18 or through age 25 if a full time student.

Can a member purchase Term Life insurance or AD&D coverage on their spouse without purchasing coverage on themselves?

Yes, spouses are able to purchase a standalone policy without the Member purchasing coverage.

Is the rate monthly?

Yes, the premium rate is a monthly rate; however, you may pay any number of months at one time.

How do I pay for the benefits?

Your premiums will be electronically withdrawn from your designated banking account on a monthly basis. Once you have completed the authorization form attached to the Group Term Life enrollment application, you will receive confirmation stating when your premiums will be deducted.

Do I have to answer any health questions?

No, if you are a new member of KU T.E.A. applying for coverage up to the guaranteed issue amount for either the Term Life Insurance and AD&D or Long-Term Care. However, you must complete the evidence of insurability form for any amount above the guaranteed issue. Limits are indicated in the rate information included in the enrollment packet.

Is the coverage portable?

Yes, if you leave the University, you may take this valuable coverage with you at the same rates and benefit schedule.