Anne Arundel
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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. UnumProvident Insurance 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 extra applications (Benefit Election forms), you may go to the web at Please note that at least two additional forms, which are contained in the Annual Enrollment kits, must be completed when applying.

New employees may purchase long-term care insurance with a guarantee issue coverage (no evidence of insurability required) within 30 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).