Professional Home Care is defined as care provided in your home by licensed nursing or other professionals which include, but are not limited to, part-time and intermittent skilled nursing services, home health aid services, physical therapy, occupational therapy, speech or audioligy services and medical social services by a social worker.
Family Home Care is defined as informal care provided in your home by a family member, friend, neighbor, or acquaintance, who is not a licensed professional.
Plan 2 provides you with more flexibility. You can choose to have a family member, friend or neighbor provide your care.
Upon filing a claim for benefits UNUM will request certification from your physician as to your inability to perform two or more Activities of Daily Living, or that you suffer from severe cognitive impairment. Your physician also will be required to provide a Plan of Care. The Plan of Care is written documentation outlining the methods, treatments and processes that will be used to treat you while receiving Long Term Care benefits, including who will be providing care and how often it will be provided.
A Nursing Home facility is an institution or distinctly separate part of a hospital that provides skilled nursing care under state licensing and certification laws.
An Assisted Living Facility provides 24 hour per day custodial care and personal services for a minimum of 10 patients in one location. It is not an individual residence or boarding home.
Elimination period is defined as a waiting period. The TSRI plan has a 90-day waiting period before benefits begin. For example, if you were continuously unable to perform two Activities of Daily Living on June 1st, your waiting period would begin on June 1st and end 90 days later. You would be eligible to receive benefits on day 91, or August 30th.
No, you would have to purchase an individual policy.
You will have to pay Long Term Care expenses out of existing savings or assets.
Yes, however they must reside in the United States.
Your benefit would be calculated as follows: $3,000 monthly benefit divided by 30 days = $100/day. 75% of $100/day = 75.00/day x 10 days = $750 monthly benefit.
Your benefit would be calculated as follows: $3,000 monthly benefit divided by 30 days = $100/day. 75% of $100/day = 75.00/day x 30 days = $2,250 monthly benefit.
Long Term Disability insurance would replace a portion of your INCOME should you become disabled. Long Term Disability insurance is typically paid for the duration of disability until age 65.
Long Term Care insurance provides a benefit to help pay for skilled nursing or home care services so you do not have to spend down your life savings or other assets.
No. Medicare only covers medical expenses and provides limited benefits for skilled nursing or home care services. It does not cover custodial care.
Medicaid requires a substantial depletion of assets and many facilities will not accept Medicaid patients.
Yes. Within 31 days of your last day of employment, you may convert your coverage to a direct bill basis at the same rate you paid while you were employed.
1. Obtain a claim form from TSRI Benefits Administration.
2. Mail the Notice of Claim form to UNUM.
3. Complete the initial Long Term Care claim form with documentation of care
received completed by your provider.