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 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.
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 30 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 hire 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 hire date.
If you apply for LTD coverage after your initial eligibility period, you must provide evidence of insurability (EOI) to the insurance carrier before coverage is approved. You can complete the EOI process in Workday during your enrollment.
Note that pre-existing conditions and other limitations and exclusions apply; see the LTD Certificate of Insurance for details.
Plan Advantages
- 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.