What is Long-Term Care Insurance?
Long-term care is ongoing personal assistance for an individual who, as the result of an accident, illness or age, needs help preforming daily activities of maintaining their health.
Here are some reasons why you should consider Long-Term Care Insurance:
- Protect your assets
- Minimize dependence on family members and others
- Control how, where, and from whom you receive care
Unum, our Long-Term Care (LTC) insurance company will no longer be accepting new enrollments as of February 1, 2026. Unum is making this change due to a shift in the market and evolving customer needs. Our group plan was designed three decades ago, and since that time, there have been significant and accelerating changes in the LTC business. Therefore, Unum found it necessary to ensure the product remains actuarially sound to protect your coverage and their ability to meet claims.
Members who are already enrolled in the LTC policy (even those enrolled only in the Base plan) are NOT impacted. Existing coverage remains unchanged relative to this action. The HSTA VEBA Trust office will continue to be the plan administrator for the Unum Group Long-Term Care policy. No action is required by you! We will continue to collect your monthly premium deductions and submit payments on your behalf to Unum.
In the meantime, the HSTA VEBA Trust is actively searching for a new insurance company to offer an LTC policy for those not enrolled in LTC and will notify you when one has been selected.
The HSTA VEBA Trust appreciates your continued support.
No. Existing members are not impacted; coverage remains unchanged relative to this action.
Yes. Premium deductions will continue as usual.
No action is required by you for this change to take effect.
Yes. The group policy may be subject to future rate increases approved by the Hawaii Insurance Division.
Yes. You can increase coverage at any time. You are responsible for the cost of all additional buy-up coverage. You must also submit information on your health status. Premiums are calculated based on your current age at the time of the increase.
Yes. You can make changes to your coverage at any time. Coverage increases will be subject to Unum approval. Coverage decreases will require a completed benefit benefit election form.
Go to www.caregivingexchange.com/hsta to complete forms.
Yes. A medical questionnaire is required if you are increasing your coverage.
Print a copy of your completed forms. The Trust requires a wet signature, so be sure to sign the original forms and mail to our office. Electronic signatures will not be accepted.
Our mailing address is:
HSTA VEBA Trust
1259 Aala Street, Suite 202
Honolulu, Hawaii, 96817
They will no longer be eligible to apply for coverage.
LONG-TERM CARE INSURANCE
This plan provides coverage in the form of a fixed dollar indemnity monthly benefit if you become disabled and you are receiving care while confined in a Long-Term Care Facility or Assisted Living Facility.
If you purchase Total Home Care or Professional Home Care Services coverage, UNUM will pay you a benefit if you elect to receive care other than in a Long-Term Care Facility or Assisted Living Facility.
Coverage is subject to policy limitations, benefit maximums and elimination periods.
Who is Eligible?
- Be an Active or Associate HSTA Member, and
- Be enrolled and continuously covered as an eligible participant under one or more of the Trust’s benefit plans, other than Long-Term Care Insurance Plan.
Dependent Coverage
As long as you are enrolled for coverage under the Long-Term Care Insurance Plan, your family members may also apply for coverage. Eligible family members are your spouse, your children, your parents, stepparents, siblings, parent-in-law, grandparents, and grandparents-in-law. All family members applying for coverage must be between the ages 18 and 84.
See full dependent coverage description on page 38-39 of Summary Plan Description.
Base Coverage for Active Participants
The Base Coverage is as follows:
Elimination (Waiting) Period: 90 consecutive days
Monthly Benefit Maximums*
Long Term Care Facility: $1,000
Assisted Living Facility: $600
Professional Home Care Services: $500
Lifetime Maximum Amount*: $36,000
In addition to the Base Coverage, you may also apply for Additional Buy-Up Coverage described in the Outline of Coverage. However, you are responsible for the cost of all Additional Buy-Up Coverage. If you are applying outside of the guaranteed issue period, you must submit information on your health status and the insurance company has the right to decide whether to accept or deny your request for coverage.
Forms
- MEMBER BENEFIT ELECTION ENROLLMENT FORM
- GROUP LTC EVIDENCE OF INSURABILITY FORM/HIPPA AUTHORIZATION FORM
- ACKNOWLEDGEMENT OF DISCLOSURE OF RATING PRACTICES – Includes the following documents:
-
- LTC insurance Personal Worksheet
- Group LTC insurance potential rate increase disclosure form
- Things you should know before you buy LTC insurance
How to File a Claim:
- Please contact Unum directly at 1-800-227-4165 to file a Long-term Care claim.
- If you are calling on behalf of the member, please have the following information
readily available before you call Unum.- Date of Birth
- Social Security Number
- Policy Number
- Reason for filing a claim
- Participant’s current living situation
- Contact information for caregiver(s)
- Contact information for Physician(s) involved in treatment/care
- You must file the claim no later than 90 days after the date of the disability or as
soon as reasonably possible to do so, but in no event more than one year after
that time this proof is required.
- You will be required to give Unum information on your continued disability when
requested. Unum may require a claims assessment, which is reviewed by Unum
to help in evaluating the disability. A face-to-face interview or examination by a
Physician may also be required. If required, however, Unum will pay for the cost
of the interview or examination.
SCHEDULE OF BENEFITS/PLAN HIGHLIGHTS
CLICK HERE
OUTLINE OF COVERAGE/GROUP MASTER POLICY/CERTIFICATE FORM 536134
CLICK HERE
In order to sign up for Long Term Care, you would need to be enrolled in another HSTA VEBA TRUST plan like Short- or Long-Term Income Protection Insurance, Basic Life or Basic Plus Life Insurance, Critical Illness, or Accident Insurance.
The Long-Term Care Base plan covers $1,000.00 a month if you are receiving care in a Long-Term Care Facility. The facility benefit duration is 3 years. The base plan also covers professional home care at 50% of your monthly facility benefit ($500.00). The maximum lifetime coverage is for $36,000.*
*This plan overview is a summary provided to help you understand your insurance coverage from UNUM. Please refer to your certificate booklet for your complete plan description. If the terms of this plan highlighted summary or your certificate differs from your policy, the policy will govern.
Zero; no cost to you, the HSTA VEBA Trust subsidizes 100% of your monthly premium.
Yes, you can increase your Long-Term Care coverage. You would need to complete an application along with the Evidence of Insurability form. The HSTA VEBA TRUST will continue to subsidize, but only up to the amount of the Long-Term Care Base Plan. You can call the HSTA VEBA TRUST office at 808-440-6940 or 1-800-637-4926 (neighbor islands) to request for the required forms.
Then you would just continue to have the Long-Term Care Base Plan and the HSTA VEBA TRUST would continue to subsidize it. Denial of additional coverage will not change your current coverage.
Your new premium will be calculated at your current age and the amount that was subsidized by the HSTA VEBA TRUST will reduce your monthly premium.