Long Term Care (LTC) insurance is offered to you through CNA. LTC is available to you, your spouse, adult children (25 years and older), parents, grandparents, parents-in-law and grandparents-in-law.

LTC insurance provides funds for necessary services when an individual becomes incapable of caring for themselves. Covered services can vary depending on the individual's condition and can range from assistance in the home with day-to-day activities to care provided in a nursing home.

Your eligible family members may apply without you having applied for coverage. However, only the premium(s) for you and your spouse may be deducted from your UT paycheck. Other enrolled family members are required to pay CNA directly.

• There are three choices for the maximum daily nursing home benefit of $100, $125 and $150. This is the most that would be payable for each day of care in a nursing home.
• The Lifetime Maximum benefit is equal to 1,825 times the Daily Maximum Nursing Home Benefit selected. This is also the number of days in a 5 year time period.
• You may elect either the Guaranteed Benefit Increase Option, which will offer periodic opportunities to increase your existing coverage or the optional Lifetime Automatic Benefit Increase (ABI). If ABI is chosen, on each anniversary of your coverage effective date CNA will increase your benefit amount in effect by 5%.

A person becomes eligible for LTC benefits when they are certified chronically ill by a licensed healthcare practitioner. Chronically ill means the person is unable to perform two or more activities of daily living (bathing, continence, dressing, eating, toileting, transferring) for 90 days without substantial assistance or supervision. Chronically ill can also mean that an individual has a severe cognitive impairment that can cause threats to the individual's health and safety without a great deal of supervision.

The waiting period for benefits is 90 days, starting on the first day of chronic illness and ending 90 calendar days later. Premiums are waived once a person begins to receive benefits.

For additional information, or to order a complete package of information including enrollment materials, please call CNA Customer Service at (888) 825-0353. Additional information is also available at www.ltcbenefits.com/uts.

CNA Group Benefits
Long Term Care
www.ltcbenefits.com/uts

(888) 825-0353
8:00 AM - 6:00 PM EST