HSTA VEBA - Voluntary Employee Beneficiary Association Trust
Long Term Care
Underwritten by Unum Life Insurance Company of America

Long Term Care

HSTA-R members are eligible for many additional insurance programs like the program offered on this page. Take advantage today!

Long Term Care Insurance for Trust Participants that are HSTA-R Members
The cost of health care is skyrocketing. The current average monthly charge for nursing home and in-home care in Hawaii continues to rise.

While we don't like to think that anything bad will happen to us or to the ones we love, it's always better to be safe than sorry. Long Term Care Insurance ensures that
1) you will be taken care of if needed and
2) your care costs won't jeopardize your nest egg.

If you are a retired Trust participant, you will be enrolled for Base Coverage at no cost to you after you have completed a simple questionnaire and the insurance company determines that you are not disabled at the time of enrollment. If you are currently a retired Trust participant but enrolled when you were an active Trust participant and have had continuous coverage, you will continue to have the coverage described for Active Trust participants.

What is Long Term Care Insurance
As a result of disability or a prolonged illness, long-term care is the assistance provided when a person is unable to provide for himself or herself. It ranges from providing personal care at home, such as bathing and dressing, to skilled nursing services in a nursing home.

Long-term care is offered through home care agencies, senior centers, adult day care centers, traditional nursing homes, and retirement communities that provide on-going care.

How Can I enroll
Should an HSTA-R member want to enroll in the life insurance program, s/he should contact the HSTA VEBA TRUST office. Enrollment is allowed subject to a medical review.

For your convenience, premiums are automatically deducted via retirement allowance.

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