What is optional Long Term Care Insurance and what are the enrollment guidelines?
The Montana University System (MUS) has contracted with the UNUM/Provident Life Insurance Company to provide an additional benefit to eligible employees. Long Term Care Insurance is insurance you may purchase to provide long term care in the event the insured suffers the loss of at least two activities of daily living and/or the loss of cognitive functions due to old age, illness, or accident. Activities of daily living include eating, dressing, bathing, transferring, toileting, and continence.
Those individuals eligible for this insurance include current employees and their spouses, the employee's parents and grandparents, the spouses parents and grandparents, and retirees and their spouses.
New employees have 31 days after their date of hire to submit an application for enrollment without evidence of insurability. All other employees and retirees can apply at any time, however, evidence of insurability will be required by UNUM/Provident. Forms and rates are available in HRS.
Human Resource Services
Emma B. Lommasson Center
The University of Montana
Missoula, MT 59812