Unum lists trauma as one of the top five reasons people below age 65 file group long term care insurance claims.

Unum, Chattanooga, Tenn., discusses that finding in an analysis of its own LTC claims.

The company provides LTC coverage for 600,000 people through employer-sponsored LTC plans, and it estimates it accounts for about 75% of U.S. employer group LTC contracts.

The company has paid out about $13 million in LTC benefits for 277 claimants under age 50.

In addition to trauma, other leading causes for LTC claims for workers under age 65 include cancer, stroke and neurological disease.

Other findings:

- About 72% of all claimants under age 65 have received or are receiving care at home, while 24% percent have received nursing home care.

- A typical claim for Unum policyholders under age 65 lasts a year or longer.

- The average age of claimants under 65 is 54, and more than 15% are younger than 45.