Your Employee Advantages

UMass offers long-term care insurance through Mutual of Omaha.  Please review the information below.

Discounted Worksite Rates

The Mutual of Omaha Long-term care program offers employees and family members discounted worksite rates. Since you are purchasing coverage through your employer, the rates are generally less expensive than they would be on the individual marketplace.  Payments are setup direct with the carrier.


Benefit eligible employees, their spouse/partner and family members are eligible to apply during the approved enrollment period in October.  During enrollment, new employees may apply with reduced underwriting after 3 months of employment.  All others may apply with evidence of insurability.  Click here to view underwriting details.

25% Pricing Discount Available

If you are married or have a partner, there is a 25% pricing discount that will be applied to your policy. Also, pricing is based on your age - apply while your premiums are at their lowest. 

Does my "other insurance" cover LTC expenses?

The short answer is no. Health & Disability insurance exclude LTC services while Medicare only offer minimal coverage.

Health Insurance

No coverage.

Long-Term Care was excluded from the Affordable Care Act (ACA) and does not cover expenses associated with LTC.

Disability Insurance

No coverage.

Disability insurance was not designed to cover LTC services and excludes most LTC expenses.


Minimal coverage.

Medicare only covers up to 100 days of care after a 3-day hospital stay. According to the US Department of Health and Human Services the average LTC claim is 3 years.

The cost of Long-Term Care compared to your Assets & Expenses

Long-term care services can be expensive.  According to the US Department of Health and Human Services, the average cost of care can range from $48,048 - $100,380 depending on the type of care you are receiving and where you are receiving that care. Long-term care planning should be a included in any responsible personal financial plan.   

What are employee's top 4 sources of financial stress?

Financial stress is never a good thing, especially if you're thinking about retirement. If you are concerned about being able to afford healthcare costs in retirement or outliving your retirement savings you're not alone according to a recent MetLife study. The largest potential healthcare expense during your retirement years may be a long-term care event. 

American's realize the importance of LTC coverage

More than half of Americans say they need long-term care coverage yet only around 1/3 have coverage. As we age the likelihood of need long-term care services increase. The most recent US Department of Health & Human Services data says around 70% of us will need care at some point. That's a big number! The good news is the Mutual of Omaha LTC program offers long-term care coverage if you happen to need LTC services at any point.  


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A+ (Superior) Rated Insurance Carrier

A.M. Best Company, Inc.

for overall financial strength and ability to meet ongoing obligations to policyholders

This rating is second highest of 16