Unum Long Term Care

Underwritten by:
Unum Life Insurance
Company of America

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Welcome

to the site created
specifically for
HEIDELBERG UNIVERSITY

How To Use This Website

Who controls your future?
Be prepared with long term care insurance from Unum.

Long term care insurance

The purpose of this communication is the
solicitation of insurance. Contact will be made
by an insurance agent or insurance company.

Your life, your choice
There are plenty of decisions
to make for retirement...

Fishing or golf?
Motor home or
long-awaited cruise?
A house at the beach —
or close to the grandchildren?

Long term care insurance may help you avoid a far more difficult decision: whether to exhaust your savings or liquidate your assets to pay for a period of long term care. This policy may help you be prepared for the financial realities and help you maintain control of some important decisions, such as:

Who would take care of me?
Where can I choose to receive care?
Would I be a burden on my children if my savings
couldn't cover my care?

What is long term care?
Whether it's due to a motorcycle accident or a serious illness, it is the type of care you may need if you couldn't independently perform the basic activities of daily living: bathing, dressing, using the toilet, transferring from one location to another, continence and eating, or if you suffered severe cognitive impairment from a condition such as Alzheimer's disease.

Who's at risk?
Long term care insurance is not just for the elderly.

40% of people currently receiving long term care are working-age adults 18 to 64 years old.¹
About 70% of individuals over age 65 will require some type of long term care services during their lifetime.²
By 2020, 12 million people are projected to need long term care.³

How does this coverage help?

Here are some examples of how you
may use a long term care benefit of
$3,000 per month, based on the
national averages for care:⁴

Home health:

• Long term care annual benefit

• Home health aide ($18.50/hour)

• Left over for out-of-pocket expenses

	$36,000
-	$24,050/year*
=	$11,950

Assisted living:

• Long term care annual benefit

• Assisted living ($2,825.25/month)

• Left over for out-of-pocket expenses

	$36,000
-	$33,903/year
=	$2,097

Private nursing home:

• Long term care annual benefit

• Private nursing home ($203.31/day)

• The cost of care that you will pay out of pocket

	$36,000
-	$74,208.15/year
=	-$38,208.15

*Based on receiving care five hours a day/five days a week at $18.50/hour. For illustrative purposes only.

1,2,3 U.S. Department of Health and Human Services, "National Clearinghouse for Long- Term Care Information," updated October 2008. Available at: http://www.longtermcare. gov/LTC/Main_Site/Understanding_Long_Term_Care/
Basics/Basics.aspx, cited November 17, 2009.
4 Genworth Financial, "2009 Cost of Care Study," April 2009.
5 American Association of Long Term Care Insurance, "2008 LTCI Sourcebook," February 2008.
6 LIMRA, 2008 Group LTC Report, 2009. Based on inforce cases. Excluding federal and California-specific Group LTC plans, Unum also ranks first in number of employees enrolled.

Nursing home care based on 24 hour care for one year. Assisted living based on 12 months care. Home care based on five hours of care per day, five days per week for Non-Medicaid Certified home health aide services.

For employee information

This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form GLTC04 or contact your Unum representative.

Underwritten by: Unum Life Insurance Company of America, Portland, ME
unum.com

© 2011 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

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