Long Term Care & Employee Assistance Program

Learn about Long Term Care in our video!

What is long term care?

Whether it’s due to a motorcycle accident or a serious illness, it 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.

Other insurance will not pay for long term care:

• Medical insurance and Medicare are designed to pay for specific care for acute conditions — not for long term help with daily living.
• Medicaid only helps with long term care expenses after you have depleted virtually all of your assets. The exact amount varies by state but usually leaves just a few thousand dollars in total assets.

Only long term care insurance may cover those costs and allow you to maintain as much of your assets as possible.

Long term care insurance may help you avoid a far more difficult decision:

Whether to exhaust your savings or liquidate your assets to pay for a period of long term care. This policy may help you be prepared for the financial realities and help you maintain control of some important decisions, such as:

• Who would take care of me?
• Where can I choose to receive care?
• Would I be a burden on my children if my savings couldn’t cover my care?

Why buy coverage at work?

• You may get more affordable rates when you buy this coverage through your employer and you may extend your coverage to your parents and spouse.
• Depending on your plan, you may be able to pay your premiums through convenient payroll deduction.
• Your employer has selected coverage from Unum, the leading provider of group LTC insurance for employees in the U.S.

Please visit www.unuminfo.com/SmithAmundsen/index.aspx for additional details.

Unum’s Employee Assistance Program (EAP) offers unlimited access to master’s level consultants by telephone, resources and tools online, and up to three face-to-face visits with a consultant for help with a short-term problem.

• Locate childcare and eldercare services and obtain matches to the appropriate provider based on your or your family’s preferences and criteria. The consultant will even confirm space availability.
• Speak with financial experts by phone regarding issues such as budgeting, controlling debt, teaching children to manage money, investing for college, and preparing for retirement
• Work through complex, sensitive issues such as personal or work relationships, depression or grief, or issues surrounding substance abuse
• Get a referral to a local attorney for a free, 30-minute in-person or telephonic legal consultation.

Through the EAP, you have unlimited access to lifebalance.net (user ID and password: lifebalance).  This grants you access to the following:

• Read booklets, life articles and guides
• View videos and online seminars, as well as listen to podcasts
• Subscribe to email newsletters
• Find information on parenting, retirement, finances, education and more
• Use health management online calculators and other tools to help you with topics such as losing weight or starting a new exercise program
• Access links to other informative websites
• Use school, camp, eldercare and childcare locators
• Use financial calculators, retirement planners, worksheets and more

Call:

• 1-800-854-1446 English
• 1-877-858-2147 Spanish
• 1-800-999-3004 TTY/TDD

Employee Assistance Program Flyer