Sappi North America, Inc.
Unum Long Term Care Insurance
When it Comes to All Things Long Term Care, We've Got You Covered
Employer - Paid Plan for Employees
$1,000 monthly benefit, 2 year duration, no inflation.
Benefit eligible employees are automatically enrolled in the plan at time of initial eligibility and can purchase supplemental coverage at an additional cost. To learn more about the available plan options, click here.
Top Reasons to Apply Today
Guarantee Issue
Guarantee issue means there are no health questions during your initial enrollment period. You are guaranteed approval for coverage. Plan and age limitations apply.
Issue Age Rate
Rates are based on your age when policy is issued. Rates do not increase as you age.
Affordable Long Term Care Plan
The plan choices you select determine your premium for LTC insurance.
Wherever You Go,Take it with You
If you leave employment, your coverage is portable at the same rate.
What is my Risk of Needing LTC?
Why would you handle the risk of LTC any differently than you handled the other risks?
2.3%
Risk of getting into
an auto accident
1Bureau of the Census Data, 2000 and 2000 data collected from the federal Highway Administration, November 2001
12.5%
Risk of
becoming disabled
2ARS-AFM Administrative and Financial Services, Retirement and Benefits, LTC Care Basics Q&A article, Section: It Can Happen at Any Age, January 7, 2003
40%
Risk of needing LTC
(ages 18-65)
3Long Term Care. AHRQ Focus on Research. AHRQ Pub No. 02-M028, March 2002. Agency for Healthcare Research & Quality
67%
Risk of needing LTC
(ages 65+)
4US Department of Health and Human Services. “National Clearinghouse for Long Term Care Information.” 2011.