Administered by UNUM Life Insurance Co., 1-800-227-4165, UNUM MUS Website

Unexpected Events:Couple riding bikes

Unexpected events, such as accidents or illness, can catch us off guard at any age, any time. This can often lead to financial and emotional hardship. Many believe that our health insurance covers long term care situations when, in most cases, it does not. We may be left thinking we should have planned better. Long Term Care Insurance is designed to pick up where our health insurance leaves off. You may never need long term care. However, this year about nine million men and women will need long term care. By 2020, 12 million Americans will need long term care. Most will be cared for at home. A study by the US Department of Health and Human Services indicates that people who reach age 65 have a 40 percent chance of entering a nursing home. About 10 percent of the people who enter a nursing home stay there five years or longer. The Montana University System offers the opportunity to purchase Long Term Care Insurance from Unum Life Insurance Company of America a subsidiary of Unum Provident.


Who is Eligible

Employees, retirees, spouses, parents, and parents-in-law are eligible for the Long-Term Care Insurance Plan. This plan may be elected, changed, or dropped at anytime. If you would like to sign up for the Long Term Care Plan, contact your campus Human Resource Department for an enrollment kit. New employees can enroll in LTC within 30 days of employment without demonstrating evidence of insurability. Continuing employees, spouses, retirees, and grandparents can enroll in our group LTC insurance with medical underwriting at any time.



Care Type
Plan 1
Plan 2
Plan 3

Facility (nursing home or assisted living)
Facility + Professional Home Care (Provided by a licensed home health organization)
Facility + Professional Home Care + Total Home Care (Care provided by anyone, including family members)

Monthly Benefit
Nursing Home
Assisted Living
Home Care

60% of the selected nursing home amount
50% of the selected nursing home amount

3 years
6 years

3 years Nursing Home
6 years Nursing Home
Unlimited Nursing Home
Inflation Protection

5% compounded annually
No protections will be provided