[MyOEBB] Clarification on OEBB’s Long-term Care Coverage through Unum

[MyOEBB system updates]

Dear Business Managers, Superintendents & Benefits Administrators:

As the June 15th deadline for 2012-13 plan selection draws near, we feel it’s important to clarify some points regarding OEBB’s long-term care (LTC) coverage through Unum.

Unum will continue to honor its current contract with OEBB and will continue to provide long-term care coverage to OEBB members. You may have received a communication from Unum explaining that they would no longer actively market LTC to new employer groups. This business decision at Unum’s corporate level has no effect on educational entities’ ability to offer LTC through OEBB. OEBB holds a current contract with Unum and is considered an existing customer; therefore, any OEBB-participating educational entity is also considered an existing customer, even if you have not yet offered the LTC benefit to your employees.

If you have employee groups who have not been offered LTC coverage in the past, this is the last opportunity they will have to enroll on a guarantee issue basis. These groups will still be allowed to add the LTC benefit at future Open Enrollments, but existing employees in those groups will need to submit medical evidence and be individually approved before their coverage will go into effect.

We encourage groups who have not offered the LTC benefit before to add it as a voluntary option in 2012-13 so that existing employees who may not medically qualify in the future can have access to this guarantee issue coverage at the low rates available ONLY to OEBB members.

Please note that if an employee group is already offering LTC coverage, or adds LTC coverage as an option this year, new hires continue to have guarantee issue coverage available during their initial eligibility period, but existing employees will need to provide medical evidence for any level of coverage after October 2012.

If you have any questions regarding LTC coverage, please contact OEBB Member Services by phone at 888-469-6322, or by e-mail at oebb.benefits at state.or.us<mailto:oebb.benefits at state.or.us>. You may also contact Unum directly at 800-227-4165.

Thank you,

Jackie Cowsill
Communications Coordinator
Oregon Educators Benefit Board

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