• Benefit Plan Information for New Physicians
• Health Insurance
• Supplemental Medical Insurance
• Health Insurance for Parents and In-laws
• Dental Insurance
• Medical and Dependent Care Flexible Spending Accounts
• Qualified Transportation Accounts
• Life and AD&D Insurance
• Business Travel Accident Insurance
• Short Term Disability Insurance
• Long Term Disability Insurance
• Long Term Care Insurance
• Legal Insurance
• Employee Assistance Plan (EAP)
• Professional Expenses
• Vacation
• Sick Leave
• Paid Holidays
• Retirement Benefits
• Timing of Payroll Deductions
• Benefits and Payroll Contact Information

Long Term Care Insurance *

Long Term Care is the type of care received, either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing, due to an accident, illness or advancing age. Long Term Care Insurance, through Unum, provides a facility monthly benefit of $3,000 - $8,000 (in increments of $1,000) for up to 5 years. Benefits are subject to a 90 day elimination period. Inflation protection, accelerated benefits and a non-forfeiture provision are also included. You pay for Long Term Care Insurance on an after-tax basis so any benefits received are not taxable. Evidence of good health is required for elections over $5,000.00 per month.

Your spouse (or domestic partner) and certain family members (see Unum specifications for details) may also apply for Long Term Care Insurance. If your spouse elects this coverage, it is paid for through your payroll deductions. Other qualifying family members are billed directly by Unum. Evidence of good health is required for all levels of coverage.

Plan details and rates, including enrollment applications and health questionnaires (for family members) may be found at w3.Unum.com/enroll/mapmg.