Disability insurance protects your earnings if you become disabled and cannot work.

Short Term Disability Insurance

Unum individual short term disability insurance replaces a portion of your income if you are unable to work due to a covered injury or sickness. Coverage begins the first day of the month following 1 month after the date you complete your enrollment. For example, if you enroll in short-term disability on May 15, your coverage effective date is July 1. You may enroll or drop coverage at any time.

Plan Advantages

  • You can choose a monthly benefit from $400 to $5,000 for an illness or off-the-job injury. Coverage up to 60% of your gross monthly salary may be offered (max of 40% in CA, HI, NJ, NY and RI).
  • Affordable coverage. Your premiums are based on your age when you buy the insurance and will not increase as you