Long Term Care Insurance

Long Term Care Insurance
Long-term care insurance is a voluntary insurance plan available to benefits-eligible employees and retirees.  Employees and retirees are responsible for 100% of the premium.  

Long-term care insurance is used to help cover care expenses usually not covered by your health insurance or Medicare, such as nursing home care, assisted living expenses, community-based care (adult daycare) and home health care.  MMSD's Long-term care insurance carrier is Unum Life Insurance Company.

Long-term care insurance is complex and the District’s policy has a number of benefit choices. To help employees select the benefit that is right for them, MMSD partners with AGIS Network, an insurance broker that specializes in long-term care insurance. Through this partnership, employees can get help understanding their choices, so they pick the benefits that are right for them and their family. Visit their website for more information on benefits, rates, and to learn more about long-term care.  

Who can enroll in coverage?
Coverage is available to MMSD full-time employees working at least 19 hours per week and their spouse, domestic partner, parent(s) and domestic partner's parents, siblings, and children.  Employees that do not sign up for coverage when they are first eligible are subject to medical underwriting before being approved for coverage.  

How much does it cost?
The cost of coverage varies based on the options you select and your age.  Contact AGIS Network to talk with a specialist that can help you understand your options and get you enrolled. Once you’ve been approved for coverage, AGIS will work with MMSD to ensure your premiums are deducted from your paycheck.  

Effective February 1, 2026, Unum, the District's Long-Term Care Insurance Company, is no longer accepting new enrollments to this policy.
For questions, contact Benefits@madison.k12.wi.us

Have questions about MMSD benefits or its partnership with AGIS Network? Contact the Benefits Helpdesk at benefits@madison.k12.wi.us or call (608) 663-1692.