Does Your Union Insurance Policy Cover Long-Term Care?

By Roger Foisy on February 22nd, 2022

If you are an active or retired union member, your insurance policy might cover long-term care (LTC). Similar to other policies, to claim LTC benefits, the union member must require assistance due to cognitive impairment or be unable to perform 2 or more activities of daily living listed below: 

  • Bathing
  • Eating
  • Dressing
  • Toileting
  • Transferring
  • Continence

Read: How are activities of daily living defined in LTC policies?

Are Spouses Covered Under Union Long-Term Care Insurance?

If you are the spouse of a current (or retired) union memory, you may be eligible for LTC insurance coverage as well, depending on the wording of the policy. Under some union LTC policies, spouses of active or retired union members may be eligible to receive LTC benefits. Typical conditions under such union LTC policies include meeting the following requirements:

  • The spouse becomes eligible for the coverage at the same time as the insured (or when they become your spouse) starts receiving LTC benefits, provided he/she is not eligible for a Basic Daily Benefit claim at that time.
  • Spouse’s eligibility ends when the insured’s eligibility ends, except in the case of the insured’s death while in benefit.
  • Spouse’s eligibility is extended for 2 years commencing on the insured’s death, provided they (the insured) was receiving LTC benefits on the date of their death.  

If you are an active or retired union member or spouse, you might be eligible for LTC benefits.

Roger R. Foisy & Associates can help you navigate your long-term care insurance claim if it has been denied or terminated. Call us at (905) 286-0050 or fill out the form on this page.

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