Long Term Care

Tools and Resources


Emory offers optional coverage for long term care through UNUM.  Long term care is designed for people who need assistance with daily living activities due to an accident, illness or advancing age. You may receive long term care either in your home or in a facility. Coverage is portable, which means you may continue coverage when you leave Emory.

Benefits are paid when a physician certifies a person can no longer perform at least two of the following:

There is a 60-day waiting period before benefits are paid. Monthly coverage can be purchased in increments of $1,000 (from $1,000 to $8,000). You can elect a benefit of three years, six years or an unlimited duration.


arrow  Plan Options:

The younger you are when you enroll, the lower the cost. However, rates are subject to change in the future, depending on the overall use of the benefits of all covered persons or changes in the benefits levels, plan design or other risk factor.


arrow  Benefit Levels:

Whether you elect Plan 1 (Basic Plan) or Plan 2 (Basic Plan with Compound Inflation Option), you need to decide:

 *Medical underwriting required.