Optional Long Term Care Insurance

Employees may purchase Long Term Care insurance for themselves and eligible dependents, including domestic partners. Long Term Care is the type of care you may need if you couldn't independently perform the basic activities of daily living: bathing, dressing, using the toilet, transferring from one location to another, continence and eating, or if you suffered severe cognitive impairment from a condition such as Alzheimer's disease.

This plan is currently available to Non-Represented employees and to members of Local 88, Local 88-2 Physicians, Local 88-5 Dentists, MCCDA, and Oregon Nurses Association.

All permanent employees who are represented by AFSCME Local 88 (including Physicians, sub-Local 88-2 and Dentists, sub-Local 88-5), MCCDA or ONA, and Non-represented employees may apply for group Long Term Care Insurance and/or apply for eligible family members including domestic partners. The plan provides the employee with Guarantee Issue coverage levels in one of  four different plans with up to $6,000.00* monthly benefit for up to six years of payments* without review of medical history by the insurer.  Guarantee Issue coverage is a one time enrollment opportunity. (*Note: Coverage amounts requested in excess of the Guarantee Issue allowances are subject to review of medical history. In this instance, each applicant must also complete a Medical History Form). Guarantee Issue is only for employees, not dependents. 

New employees must apply within 31 days of hire to enroll in the Long Term Care Plan of their choice and receive elected coverage to the Guarantee Issue allowances.

All family member applications and employee applications submitted after the 31 day enrollment period are subject to a review of applicant's medical history by the insurance company, currently UNUM Insurance Company. Unum has the right to approve or deny such applications. Coverage is not established until approved by UNUM.

The minimum amount of coverage is $2,000 and the maximum is $9,000. Premiums are paid by the employee and vary based on age, selected plan and amount of requested coverage. Employee and Spouse/Domestic Partner coverage can be paid through payroll deduction. Detailed information and cost calculators are available at the website designed by UNUM specifically for Multnomah County http://w3.unum.com/enroll/MultnomahCounty/index.aspx. Application Materials are available upon request from the Employee Benefits Office. 

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