Long Term Care

What is long-term care insurance?

Long-term care insurance provides coverage for the type of care received either at home or in a facility when someone needs assistance with activities of daily living. Unum is the carrier for AACPS employees and may be contacted directly at 1-800-227-4165 for further plan details. A variety of plan options exist within this program, which are available at group discounted premiums. Please review the Benefits website for further information.

Who is eligible for long-term care insurance?

Employees working 16 hours or more per week, retirees, spouses, adult children, siblings, parents (including in-laws) and grandparents (plus in-laws), ages 18-80 are eligible to apply. Employee and spouse premiums are deducted from the employee’s paycheck; family members are direct-billed.

When can I apply for long-term care insurance?

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 every fall.

Is my long-term care insurance portable when I leave AACPS?

Yes.  You have 90 days to convert this policy with Unum to a direct pay at the same rate.  Complete the Election to Continue Your Long-Term Care Insurance form which also requires a signature from AACPS.