Long Term Care Insurance

Long Term Care (LTC) insurance protects you and your loved ones if you become ill or permanently disabled and are unable to care for yourself.

The insurance company, UNUM, is no longer accepting new entrants into the Seagate group plan. We are in the process of looking for a new group LTC plan provider and will update the information on this page when that new partnership is in place. If you already have coverage through UNUM, your coverage will remain with UNUM and will not change.

The information on this page applies to those already enrolled in LTC with UNUM.

Your Long Term Care insurance benefit helps pay for expenses that are not covered by your medical plan, disability insurance or Medicare. These include:

• Adult day care
• Professional home care
• Respite care
• Alzheimer’s facility
• Nursing facility
• Assisted living facility

All Long Term Care insurance plans provide financial protection in two ways:

1. You can use the financial benefit instead of your retirement savings to pay for long-term care.
2. Your loved ones don’t have to choose between their jobs and making sure you receive the care you need. 

But Seagate’s coverage goes even further than most LTC plans. It offers:

• Lifetime benefits. For patients who may need care for decades (e.g., those with Alzheimer’s diagnoses), this is crucial.
• Accelerated payment option. This allows you to fully pay up your LTC policy over a 20-year period (premiums will be slightly higher with this option).
• Return of premium. In the event of death prior to age 65, the plan will return the premiums paid, less benefits received, to your beneficiaries.
• Portability. You can take your LTC insurance policy with you if you leave Seagate or retire, and pay the same group rate you paid as an active employee.

Learn more about Seagate’s LTC coverage.