TO:       RCUH Principal Investigators, Fiscal Administrators, RCUH Employees (regular status, 75% FTE or greater) with Long-Term Care Insurance Benefit

UNUM to discontinue new enrollments into RCUH Group Long-Term Care (GLTC) policy effective February 1, 2026.

Due to shifts in the market and evolving customer needs, UNUM will no longer accept new enrollments into the RCUH Group Long-Term Care (LTC) policy effective February 1, 2026.

As a result:

• Effective February 1, 2026, RCUH employees who newly enter a benefits-eligible status (regular status employee 75% FTE or greater), whether through a new hire, return to work, or other employment status changes, will no longer be enrolled in the LTC benefit.
• RCUH employees who are actively enrolled in the LTC benefit as of January 1, 2026, will remain enrolled in the benefit through March 31, 2026,  provided they continue to meet eligibility requirements (regular status employee 75% FTE or greater).
• RCUH employees not actively enrolled in the LTC benefit (due to employee status, leave of absence, etc.) as of January 1, 2026 will not be eligible for re-enrollment.

RCUH to terminate Group Long-Term Care (GLTC) policy administration effective March 31, 2026.

RCUH was notified in February 2024 that upon review of reserve assumptions and future expected claims, UNUM (RCUH’s group long term care insurer since 1999) was requesting an approximate rate increase of 54% on all plans, pending state insurance board approvals.

After careful consideration of this proposed rate increase for existing enrollees, discontinuation of new enrollments effective February 1, 2026, and overall current insurance market shifts, RCUH will terminate administration of the Long-Term Care insurance benefit on behalf of eligible employees, effective March 31, 2026.

Options for currently enrolled employees

Your personalized Long-Term Care Insurance Certificate of Coverage documentation can be found in Employee Self-Service > eUpload > Long Term Care. Employees who were enrolled in the LTC benefit on or before January 1, 2026 (“existing insureds”) will have the following options:

Option 1: Convert to an Individual Policy (Port Coverage)

• Existing insureds (employees who were enrolled in the benefit January 1, 2026 or earlier) will have the option to continue their current coverage by converting to a direct-billed individual policy with UNUM.
• Coverage will continue at the employee’s current premium level, subject to any future rate increases imposed by UNUM.
• Premium payments will become the employee’s responsibility effective April 1, 2026.

Option 2: Allow Coverage to Lapse

Employees may allow coverage to terminate effective March 31, 2026. No action required to allow coverage to lapse. This is the default option.  

Steps to continue LTC Coverage with UNUM

Eligible employees interested in porting current LTC coverage to an individual plan should:

1. Review the Long-Term Care Insurance Policy and assess your future needs for the benefit
2. Review your personalized Long-Term Care Insurance Certificate of Coverage (RCUH Employee Self-Service eUpload). Currently an employer-paid benefit, employees may decide to continue LTC Insurance at their own cost by converting to an individual plan and assuming premium payments directly with UNUM
   • To continue, complete the UNUM LTC Continuation of Coverage Form
     • Confirm your contact information
     • Provide billing/auto-pay information
     • DEADLINE: Return form to RCUH Employee Benefits no later than May 22, 2026
       • Email: [email protected]
       • Via Employee Self-Service eUpload
       • Regardless of when the continuation form is submitted to RCUH, individuals will be responsible to take over premium payments to UNUM starting with coverage April 1, 2026.

Relevant Links:

• RCUH Policy 3.545 RCUH Group Long-Term Care Insurance
• RCUH Long-Term Care Plan (Certificate of Coverage - UNUM Policy 536066)
• Long Term Care Rates:
  • For those enrolled prior to July 1, 2022: Rate Sheet
  • For those enrolled July 1, 2022 or later: Rate Sheet
• UNUM LTC Continuation of Coverage Form (DEADLINE: May 22, 2026)
• RCUH Policy 3.510 Fringe Benefits
• UNUM Website (for RCUH Employees)

If you have any questions, please contact RCUH Human Resource Employee Benefits section at:

Email: [email protected]
Phone: (808) 956-7055 or (808) 956-2326