Under a group policy, the employer/sponsoring organization is generally the acting plan administrator for this benefit offering. As plan administrator, you are responsible for distributing communication materials for coverage and premium changes that impact any group billed participants, including a rate increase.

The product series is the GLTC contract version Unum sold/provided at the time of implementing your policy.  To determine your product series, please contact the Unum Customer Service Center at 1-800-227-4165 for assistance Monday through Friday, 8 a.m. to 5 p.m. E.T.

Rate increases on our Group Long Term Care policy forms have been in progress since 2012, and repricing efforts are ongoing. To learn more about historical premium increases and current repricing initiatives, review the Rate Increase State Implementation Grids linked in the section on the homepage titled "History of increases." state pricing is linked by plan name and year.

Current rates can be found on your specific informational website (infosite) designed by Unum for your policy. Rates, plan options, enrollment materials and other disclosure forms can be found on this site. The infosite includes an interactive cost calculator that will allow participants to compare their existing cost to new cost, as well as provide cost illustrations for potential coverage changes, if desired.

A legacy rate increase impacts employees enrolled in Group Long Term Care coverage prior to the implementation of new employee pricing (NEP) rates. Employees enrolling in coverage on or after the implementation of NEP rates on the policy will receive rate increases specific to NEP rates. A legacy rate increase will not impact employees enrolled with NEP rates; NEP rate increases will not impact employees enrolled with legacy rates.

New enrollee pricing (NEP) is administered the same as legacy rates. However, NEP rates apply only to employees who enrolled in Group Long Term Care coverage on or after the implementation date of NEP rates.

Please refer to your specific informational website (infosite) to access information about the new rates and plan options, as well as access enrollment materials and other disclosure forms. This infosite includes an interactive cost calculator that will allow participants to compare their existing cost to their new cost, as well as provide cost illustrations for potential plan changes, if desired.

An infosite is an informational website designed by Unum specifically for each policy. The website contains Group Long Term care policy details such as rates, available plan designs, and forms to apply for coverage, request changes in coverage or request continuation of coverage after employment ends. This website can be accessed by the plan administrator, employees and family members eligible for coverage.

The informational website URL is provided to plan administrators and employees in Group Long Term Care rate increase notification packets. You may call 1-800-227-4165 between 8 a.m. to 5 p.m. E.T., Monday through Friday, to speak to a customer care representative who can provide you with your policy-specific infosite link should you not be able to locate it.

Instructions to assist in navigating your policy-specific infosite are located on the home page of each infosite. Once on the home page, click "How to Use This Website" located in the upper left corner under the policy name.

There are many available options to reduce the impact of future repricing efforts, such as changing the Group Long Term Care plan design by reducing benefit options, freezing the policy to future enrollments or terminating the policy altogether. For more information and support with these options, contact Unum by clicking on “Employer Support” at the bottom of the page.

Learn more about the options to freeze the policy to future enrollments or terminate the policy altogether in the above section called “Actions to take with your GLTC policy.”