Long-Term Care | Voluntary Benefits
Unum Long-Term CareHow It Works
Plan Description
Long-Term Care (LTC) plans protect your savings in the event you need long-term care for an injury, illness or disability. Plans provide a monthly benefit you select when you are in a nursing facility, an assisted living facility or receiving home health care.
Your Coverage Levels
Base Plan — Select either $1,000 or $3,000 monthly facility benefit with either a three year or six year benefit duration. The Base Plan provides the monthly benefit you select when you are in a nursing facility, or 60% of the facility benefit when you are in an assisted living facility. For Professional Home Care you receive up to 50% of the facility benefit you selected (1/30th of that amount for each day of care).
Plan Features
- You may receive benefits after 60 consecutive days of continuous loss of functional capacity.
- This benefit is portable — If you leave the District, you may take it with you at the same group rate.
- You are not required to pay premiums while receiving Long-Term Care benefits.
Note: You must complete a separate enrollment application to enroll in this benefit.
Optional benefits
Total Home Care — This pays you a flat 50% (per month) of the nursing facility benefit you selected for the Base Plan when you receive care at home. Care does not have to be provided by a licensed healthcare worker. Subject to the lifetime maximum, benefits may be payable up to six years.
Inflation Protection — This option helps protect your LTC benefit from the impact of inflation. Your monthly Benefit Amount will automatically increase each year on January 1 by 5% of the original Monthly Benefit, regardless of your health and whether or not you are disabled. Your remaining Lifetime Maximum Benefit Amount will also increase. Your premium will not increase as a result of these automatic increases.
Plan rates
Rates are based on your age at the time of purchase and do not increase with age. Ask your Benefits Counselor for specific rate information.
Plan provider
Unum Life Insurance Company of America underwrites this plan. For use with Policy series TQB.LTC
Long-Term Care Coverage Plans
Facility Benefit Amount | $1,000 | $3,000 |
---|---|---|
Benefit Duration Choice | 3 Years OR 6 Years | 3 Years OR 6 Years |
Assisted Living Facility Percent | 60% | 60% |
Lifetime Maximum | $36,000 (3 Year Plan) OR $72,000 6 Year Plan) | $108,000 (3 Year Plan) OR $216,000 (6 Year Plan) |
Professional Home Care | 50% | 50% |
Total Home Care - optional | 50% | 50% |
Inflation Protection - optional | Simple Capped | Simple Capped |
Contact
Important Notice
You MUST contact the DCPS Employee Benefits Department to complete a separate enrollment application in order to enroll in this benefit.
Eligibility
Long-Term Care is available to:
- Employees with existing LTC coverage through Unum may continue their current plans. No new policies will be issued to replace current plans.
- Active employees and/or their spouses
- Parents*
- Natural, adoptive or step-parents*
- Grandparents of an active employee or spouse.
*Parents, Parental spouses or grandparents can elect coverage, however they are directly billed at their home address and not through DCPS billing.

Are you saving for retirement? If you do not have Long-Term Care (LTC) protection, you could be risking:
- 403(b) / 457 plans
- The equity in your home
- Your savings accounts
- Having to pay out-of-pocket for LTC Services