BUSINESSWEEK ONLINE : JULY 19, 1999 ISSUE
COVER STORY

The Cost of Long-Term Care Insurance


Here's what one carrier charges for some common options:

AGE   BENEFIT    MONTHLY   WAITING       HOME      INFLATION    ANNUAL
      PERIOD     BENEFIT   PERIOD        CARE*     PROTECTION   PREMIUM**

BASIC PLAN
45    3 yrs      $3,000    90 days   50% prof. care    No       $174.90
70    3 yrs      $3,000    90 days   50% prof. care    No       $1,130.40

MIDDLE-OF-THE-ROAD PLAN
45    6 yrs      $4,000    90 days   100% prof. care   Yes      $650.80
70    6 yrs      $4,000    90 days   100% prof. care   Yes      $2,984.40

HIGH-END PLAN
45    Lifetime   $6,000    90 days   50% all care      Yes      $1,543.20
70    Lifetime   $6,000    90 days   50% all care      Yes      $8,042.40


* Professional care plans pay only for nurses or home health aides. An 
all-care plan provides payments to family members who assist in the care of a 
beneficiary.

** Representative rates; actual costs will depend on your carrier, health, and 
other factors.


DATA: UNUM CORP.


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