Long-Term Care insurance is an additional insurance program offered to our team members so they have the convenience of payroll deduction and discounted group premiums for other coverage required to support their individual and family needs. Long-Term Care (LTC) provides services which help meet both the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods.

It is common for Long-Term Care (LTC) to provide custodial care such as assisting with normal daily tasks like dressing, feeding, bathing and using the bathroom. LTC also provides a level of care that requires the expertise of skilled practitioners who can handle multiple chronic conditions.

• This policy is owned by the employee and the employee pays 100% of the cost of coverage
• Employees will have 31 days from the date of hire to request an application for enrollment in this policy through the Benefits Department. Once this 31-day window is missed, the only opportunity to enroll will be during future voluntary program open enrollments, which are held periodically,
• Employees may discontinue this policy at any time upon notification to the insurance company and to payroll. To enroll in Long-Term Care, use the step-by-step instructions provided in this link: www.myltcguide.com/technologyservicesgroup
• This policy is also portable, meaning that if employment is terminated for any reason, upon termination employees have the right to take the coverage as an individual policy and continue to pay premiums directly to Unum