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.
- 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 get older.
- Available to eligible employees age 17-69 (age 64 in CA and NY) who are actively at work.
- Premiums are conveniently deducted from your paycheck.
- You own the policy. If you leave or retire, you can take your policy with you and pay the same premium. Unum will bill you directly at home.
- This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form: L-21776 (FUL-21776 for NY) (L-21820-CA) and contact your Unum representative.
- If you have a pre-existing condition within a 12-month period (six-month period applies in ID and NV) before your coverage effective date, benefits will not be paid for a disability period if it begins during the first 12 months (six-month period in TX for applicants age 65+) the policy is in force. A pre-existing condition is a condition for which symptoms existed (within 12 months before your coverage effective date) that would cause a person to seek treatment from a physician or for which a person was treated or received medical advice from a physician, or took prescribed medicine. The determination on whether your condition qualifies as pre-existing will be based on the date of disability and not the date you notify Unum.
- Nine months after coverage becomes effective, pregnancy is considered the same as any other covered illness. (Note: this nine-month giving birth exclusion is not applicable in KS, MT and OK.) The available monthly benefits will be paid upon fulfillment of the elimination period. Benefits will not be paid if the insured individual gives birth within nine months after the coverage becomes effective. However, medical complications of pregnancy may be considered as any other covered sickness, subject to the pre-existing condition limitation.
- This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department.
- The expected benefit ratio for this policy is 50%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.
- Unum complies with all state civil union and domestic partner laws when applicable.
- Underwritten by: Provident Life and Accident Insurance Company, 1 Fountain Square, Chattanooga, TN 37402. (In New York, Underwritten by First Unum Life Insurance Company, New York, New York.)
Long Term Disability Insurance
Benefits are 60% of your monthly pre-disability earnings, to a maximum of $10,000 per month. This amount will be reduced by disability earnings and/or benefit reductions, such as Social Security disability benefits.
Active employees who have completed their benefits eligibility period and are working at least 32 hours per week may enroll when first eligible. You may also enroll during an annual enrollment period or within 31 days of a Qualified Family Status Change. Evidence of insurability is required for any amount of coverage if you enroll after your initial eligibility period (see below). You may drop coverage at any time.
Coverage for department heads, nurses and therapists begins on the first of the month after your hire date, provided you enroll within 30 days of your effective date. Coverage for all others begins on the first of the month following 60 days of employment, provided you enroll within 30 days of your effective date.
If you apply for LTD coverage after your initial eligibility period, you must provide evidence of insurability to the insurance carrier before coverage is approved. Complete a Unum LTD Evidence of Insurability Form and mail it to Unum at the address shown at right.
Note that pre-existing conditions and other limitations and exclusions apply; see the benefit summary for details.
- You can choose to have benefits begin after either 180 or 360 days of disability, or the end of your short term disability benefits, if applicable. This is called the “elimination period.”
- Affordable coverage. Your premiums are based on the elimination period you select and on your age, and are conveniently deducted from your paycheck.
- Coverage includes world wide emergency travel assistance.