Long Term Care Insurance

When you apply for coverage, you’ll be asked to complete a medical questionnaire. Unum, the insurance company, will conduct a medical review to determine if you qualify for coverage based on your medical history.

Hired between February 1, 2024, and January 31, 2025?

You can apply during Long Term Care Awareness month in March 2025 without proof of good health. You’ll need to answer a medical questionnaire if you apply before March 1, 2025, or after March 31, 2025.

Visit SeagateLTC.com to learn more about plan options and rates, and to apply for coverage. The site is also the place to go when you need caregiving education and resources, including discounts on products and services.

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.

LTC insurance is available for:

• You
• Your spouse/domestic partner
• Your parent(s) and parent(s)-in-law
• Your grandparent(s) and grandparent(s)-in-law

Family members receive the discounted rate, and they can be billed directly. You do not have to enroll in the LTC plan for your family members to apply for coverage.

All extended family members must complete a medical questionnaire.

LTC insurance prices are based on the age of the applicant, so the earlier you apply, the lower your ongoing monthly rate. Premium for employee and spouse/domestic partner coverage is paid through convenient payroll deduction. Your eligible family members pay premium directly to the insurance company.

Visit the Seagate Long Term Care website to view rates and apply.