Long Term Care Plan

The Costco Long Term Care Plan is designed to help with the cost of care in a nursing home, assisted living facility or at home, provided certain conditions are met.

To request new Long Term Care coverage, increase your coverage
or just to view current coverage for yourself or your spouse click here.
 

To request an Enrollment Kit for other eligible family members, contact UNUM at 1-877-403-9348.

Who May Enroll

Long-term care coverage is available for:

  • You
  • Your spouse or domestic partner
  • Your parents or grandparents
  • Your spouse's or domestic partner's parents or grandparents
  • Your adult siblings (over the age of 18)
  • Your adult children (over the age of 18)

Even if you decline coverage for yourself, you may enroll your spouse or domestic partner under age 85. Parents and grandparents should contact Unum directly and mention the Costco plan.

Plan Benefits

The Long Term Care Plan pays benefits for nursing home care, assisted living facilities and home health care services. Benefits are based on a facility benefit amount, which is the maximum monthly amount payable for inpatient care. Depending on the kind of covered care you receive, the plan pays a percentage of the facility benefit, as shown below. Benefits start after you've been receiving covered care for 90 days, as long as you:

  • Have lost two or more activities of daily living, skills like dressing and bathing or
  • Have a severe cognitive impairment that requires substantial supervision

Covered costs

Basic monthly benefits         

Long-term care and nursing home facility inpatient care                                       

$1,000 (facility benefit)
Assisted living services$600 (60% of facility benefit)
Adult day care or hospice services
$500 (50% of facility benefit)

Professional home care visits by a licensed home health care provider

$500 (50% of facility benefit)

Long-term care and nursing home facility inpatient care

$1,000 (facility  benefit)                            

 

The plan pays benefits up to a lifetime maximum of 36 months or $36,000, whichever is more.

Employees with 10 or more years of service are provided with basic Long Term Care Insurance coverage. You can increase the monthly benefit to $6,000, increase from 3 years to 6 years of coverage and add Total Home Care to the basic benefit noted above.

You can review Unum's plan summaries and other related documents on their website at http://w3.unum.com/enroll/Costco.