Discontinued

Long Term Care Insurance

Unum is proud to be your long term care (LTC) partner, supporting you with the same benefits and services for your LTC policy. While we no longer sell new group or individual LTC policies, when you need your LTC benefits, we’ll be here for you.

Supporting you now, and in the future

As an existing LTC member, you have access to Unum’s wellness program, Aging with U. This resource offers an extensive online library of information and top-rated services that help you live safely, independently and to the fullest.

Get started

Ready to file a claim?

Contact us as soon as you require long term care assistance

We’re committed to protecting and serving our existing long term care members. Our specialists can help you initiate your claim and answer any policy specific questions you might have.

Contact us

We are ready to help Monday through Friday, 8 a.m. to 8 p.m. ET. Call us at 800-693-4988.

Commonly asked questions about Long Term Care Insurance

Can I file my claim online?

At this time, Long Term Care Claims cannot be filed online. Additionally, a claimant cannot access their coverage online. Please call 1-800-693-4988 to initiate your claim by talking with a Customer Service specialist who can help you better understand your policy and its coverage and get your claim started. Our Customer Service specialists are available to you 8 a.m. to 8 p.m. ET Monday through Friday.

I have a long-term care insurance policy; when is the right time to initiate a claim?

Each policy has a wide range of benefits and requirements that must be met to initiate a claim. The general requirements for you to be eligible for coverage are needing assistance with at least two Activities of Daily Living (ADLs) for more than 90 days or having a severe cognitive impairment requiring substantial supervision. ADLs are personal care activities that may include bathing, dressing, eating, transferring, toileting and continence. If you are currently receiving or plan to receive care for these reasons, our Customer Service specialists are available to you 8 a.m. to 8 p.m. ET Monday through Friday to review your policy provisions and answer any additional questions you may have. Please call 1-800-693-4988 and have your policy number ready.

Whom do I contact if I have questions about my claim?

When you have filed a claim, you will be provided with a dedicated Benefits Specialist who will work and communicate with you directly throughout the claims process.

If you currently do not have a dedicated Benefits Specialist, our Customer Service specialists are available to you 8 a.m. to 8 p.m. ET, Monday through Friday to review the status of your claim and answer any additional questions you may have. Please call 1-800-693-4988 and have your policy number ready.