New Enrollment Ending February 1, 2026
- This is a nationwide decision from Unum. It applies to all customers, including OEBB members.
- There are other LTC coverage options available through major insurers. You can explore individual policy options.
- Review resources related to LTC coverage, including other companies that may offer LTC coverage in Oregon, from the Department of Financial Regulations.
What is LTC?
Long-term care (LTC) insurance helps pay for the care you may need if you can’t independently perform at least two basic activities of daily living (ADLs). ADLs are:
- Dressing
- Bathing
- Toileting
- Transferring
- Eating
- Continence
The plan can help pay for living assistance and facilities. Covered facilities include nursing homes, assisted living, hospice, rehabilitation, and Alzheimer’s and residential care.
How LTC works
For members with LTC coverage prior to February 1, 2026, you’re eligible for a monthly benefit after you meet these conditions:
- You become disabled;
- You have met your elimination period; and
- Your provider certifies that you’re unable to perform two or more ADLs for a period of at least 90 days.
- Your provider will have to certify your eligibility every 12 months.
The amount of your monthly benefit will be based on your plan, and the place of residence used for long term care.
Cost of coverage
Long-Term Care (Employee Paid Rate Chart)
Long-Term Care (Employer Paid Rate Chart)
Questions?
Visit the Unum website for more details.