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Your Long-Term Care (LTC) Benefits from the District

The District provides all eligible employees with LTC insurance through UNUM.
This benefit is provided at no cost to you – the District covers 100% of the insurance premium.

Your Coverage Details

As an eligible, covered employee, you currently have Plan 1, which includes a monthly benefit of $2,000 up to a lifetime maximum of $48,000, assisted living or long-term care facility benefit percentage of 60%, and professional home health care (care provided by a licensed medical professional in your own home).

 

You are also able to add the following coverage options:

  • Increase the funded years from 2 years to either 3 years or 6 years

  • Increase the funded amount from $2,000 to $3,000, $4,000, $5,000 or $6,000

  • Add total home care (this is defined as care provided by a family member or friend)

  • Add compound inflation protection (the benefit amount is adjusted with inflation from the base amount or the amount you purchase)

   

Your Family Coverage Details

In addition to being able to purchase additional coverage for yourself, you are also able to purchase coverage for eligible family members at the District’s rates. Eligible family members may include your spouse, your children (minimum age 18), your parents, your spouse’s parents or your siblings (minimum age 18). 

   

What is Long-Term Care and Why is it Important?

Long-term care is the type of care you need when you are not able to perform Activities of Daily Living (ADLs), such as dressing, bathing, toileting, transferring and eating, due to an accident, illness, advancing age or if you have a severe cognitive impairment. 

 

LTC benefits help pay for professional in-home care, care at an assisted living facility or nursing home, professional services and family support.

 

Seven in 10 people will need LTC and unfortunately, Medicare doesn’t pay for it. Often our loved ones end up having to pay for – or provide – the care we need.  LTC insurance helps pay for caregiving services so you can get the care you need without depleting your life savings.

Booklets, Brochures & Forms

Important Information About Adding Coverage or Family Members

To purchase additional coverage or add family members, you will need to complete both the application and the Evidence of Insurability forms. The links to these forms are to the right on this screen.

 

If you increase your coverage, the District will continue to pay the base rate for Plan 1, however, you will pay the difference between Plan 1 and the Plan you choose. This charge will be made through payroll deduction. 

 

The cost for your spouse’s coverage will also be made through payroll deduction; however, the cost for other family members will be direct billed.

   

Key Dates

  • Oct. 1, 2021
    First day to apply for WA Cares Fund exemption

  • Nov. 1, 2021
    LTC plans must be effective by this date to be considered for an exemption

  • Jan. 1, 2022
    WA Cares Fund premiums start

  • Dec. 31, 2022
    Last day to apply for an exemption

  • Jan. 1, 2025
    First day the WA Cares Fund benefit will be available for use