Long Term Care
The need for long term care is created because of a physical or cognitive impairment. Long Term Care is defined as the type of care received when someone needs assistance with Activities of Daily Living; basic activities like dressing, bathing, eating, toileting, maintaining continence and transferring (moving from chair to bed, etc) This need may be created at any time due to an accident, illness, chronic health conditions or advancing age. Long Term Care is certainly not limited to the elderly. Accidents or unexpected illnesses can happen at any time and at any age. The Seattle Housing Authority offers a group long term care insurance program through UNUM Insurance Company, which holds a superior industry rating. This program of insurance is voluntary, guaranteed renewable, portable, and provides permanent protection
Coverage may be purchased by employees, employees'; spouses or domestic partners, employees'; parents or grandparents', employees'; sibling(s) or children age 18 and over, or the spouse's/domestic partner's parents or grandparents. The cost of the insurance will be based on the benefits selected as well as the applicant's age at the time the coverage goes into effect.
Newly hired employees have 30 days from date of hire to sign up for Guarantee Issue coverage. This Guarantee Issue period gives new employees the opportunity to apply for up to a $6000 month benefit for a three or six year benefit period without providing medical history or related medical information.
All active employees and newly hired employees who enroll after the Guarantee Issue enrollment period or choose benefits over the Guarantee Issue limits will be required to fill out a medical questionnaire (Evidence of Insurability form). Completion of both the Benefit Election form and Evidence of Insurability form are required. The application is subject to underwriting approval by UNUM.
Spouses, Domestic Partners and all Eligible Family Members must complete the Benefit Election form and medical questionnaire (Evidence of Insurability form).
All medical questionnaires (Evidence of Insurability form) must be accompanied by a signed Authorization to Request Medical Information Form which is included on the enrollment kit.
You can also find more details on the UNUM website at www.unuminfo.com/seattlehousing.
If you have questions regarding the benefits of Long Term Care, please contact our Long Term Care benefit broker:
W. Terry Wood
2353 130th Avenue NE, Suite 130
Bellevue, WA 98005