NU Online News Service, May 13, 2003, 11:53 a.m. EDT – The Canadian arm of UnumProvident Corp., Chattanooga, Tenn., has started selling individual long-term care insurance in Canada.

Canada has a national health insurance program that pays for major medical expenses. But Canada defines ordinary long-term care as “custodial care,” and the health insurance program foots only part of the bill for custodial care, UnumProvident says.

Canadians pay about $7 per hour in U.S. dollars for homemaking services, about $16 per hour for home health care aide services, and about $80,000 per year for 24-hour, in-home nursing services, UnumProvident says.

In Canada, UnumProvident will start by offering two guaranteed-renewable plans.

The Total Choice plan will provide a full monthly benefit, regardless of where the insured receives care.

The lower-priced Care Sensitive plan provides a full monthly benefit only for insureds who live in a qualified long-term care facility. The plan pays a partial benefit for patients who get care in other locations.