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Upcoming important dates
Volunteer Recognition Lunch-
May 3, 2013
Year End Celebration-
May 20, 2013
Gail Baylor
Director of Human Resources
Office: Ogg Administration 202
Phone: 828.771.2048
Email: gbaylor@warren-wilson.edu
Contents
Summary of BenefitsTerms You Should Know
Benefits Information
Limitations and Exclusions
Rehabilitation and Alternative Care Plans
Claim Information
Termination of Coverage
General Information
Summary of Benefits
Available February 1, 2006
Active Employees, Family Members and Retirees. At your expense.
| Monthly Benefit Maximum | |
| Long Term Care (LTC) Facility | $1,000 to $8,000 in $1,000 increments |
| Assisted Living Facility | 100% of the LTC Facility amount |
| Professional Home Care Services | 100% of the LTC Facility amount |
| Uncapped Compound Inflation Protection | 5% compounded annually |
| Lifetime Maximum Amount | 36X the LTC Facility amount OR 72X the LTC Facility amount OR Unlimited |
| Elimination Period | 90 consecutive days |
Evidence of Insurability Limits
Evidence of Insurability satisfactory to Unum is required for:
** Monthly Benefit Maximum Amount(s) greater than $7,000; or
** an Unlimited Lifetime Maximum Amount.
If Unum disproves your evidence of insurability, you will be insured for the amount selected up to the amount that does not exceed the evidence of insurability limit(s).
Changes in Coverage
For an Active Employee and the spouse of an Active Employee
Youcan apply at any time to change coverage by filling out a new Benefit Election Form and Application for Long Term Care Insurance. Changes in coverage will take effect at 12:01 a.m. on the later of:
** the first of the month after Unum approves your application, if approval is between the first and the fifteenth of the month; or
** the first of the second month after Unum approves your application, if approval is between the sixteenth and the end of the month.
The premium rate to be paid for any change in coverage is based on your insurance age. To determine insurance age, subtract your date of birth from the date you are applying for the change in coverage.
For all other insured persons
You can apply at any time to change coverage by filling out a new Benefit Election Form and Application for Long Term Care Insurance. Changes in coverage will take effect 12:01 a.m. on the first of the month after Unum approves your application.
The premium rate to be paid for any change in coverage is based on your insurance age. To determine insurance age, subtract your date of birth from the date you are applying for the change in coverage.
When Changes in Coverage Will Be Delayed
Changes in your coverage will not begin if you are absent from work because you are injured, sick, temporarily laid off, or on a leave of absense on the date the coverage would normally begin. Coverage will begin at 12:01 a.m. on the first day of the month after you return to work as an Actice Employee.
Discretionary Authority
In making any benefits determination under the Policy, Unum will have the discretionary authority both to determine your eligibilty for benefits and to construe the terms of the Policy.