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
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
http://w3.unum.com/enroll/aacps. 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).