As a full-time benefits-eligible employee, you automatically receive Basic Life and AD&D insurance at no cost to you. This plan provides peace of mind by helping protect your loved ones financially. It’s important to designate your beneficiaries to ensure benefits are paid according to your wishes.
Keep your beneficiaries updated to ensure your benefits go to the loved ones you intend. Beneficiaries can be managed in Workday.
If you need more protection, you may purchase additional Supplemental Life and AD&D coverage for yourself, your spouse, and your children. You pay the full cost through after-tax payroll deductions.
| Benefit Features | Employee1 | Spouse1 | Child(ren) |
|---|---|---|---|
| Coverage Options | $10,000 – $500,000 in $10,000 increments | $5,000 – $250,000 in $5,000 increments | $2,000 – $10,000 in $2,000 increments |
| Maximum | Lesser of $500,000 or 5x annual earnings2 | Lesser of $250,000 or 100% of your combined Basic + Supplemental2 | $10,000 |
| Guaranteed Issue | $200,0003 (if enrolling when first eligible) | $25,000 (if enrolling when first eligible) | $10,000 |
1Evidence of Insurability (EOI) may be required. (EOI will never be required for Child Life).
2Coverage exceeding $50,000 is considered imputed income, meaning it will be subject to Social Security and Medicare taxes.
3If you purchase a minimum of $10,000 when first eligible, you may increase your coverage in $10,000 increments up to $200,000 during Open Enrollment.
Evidence of Insurability (EOI) is required if you decline coverage when first eligible or if you elect coverage above the Guaranteed Issue amount.
Life insurance coverage may be converted when you terminate or when you are no longer a full-time benefit-eligible employee. After your coverage ends, you may apply for portable coverage or conversion of coverage and pay the first premium within 31 days of event date. Contact the AMS team to request a portability packet: 866-220-8460 or email AMSTeam@unum.com.
Review and update your beneficiaries regularly in Workday.
Voluntary STD and LTD coverage help protect your paycheck if you’re unable to work due to illness, injury, or another covered condition. STD provides income protection for shorter periods, while LTD offers longer-term support. Together, they give you peace of mind knowing your earnings are safeguarded when you need it most.
STD coverage replaces part of your income if you can’t work due to a covered illness, injury, or childbirth. This plan is ideal for shorter recovery periods when you need immediate financial support. Benefits may be reduced by other income you may qualify for (e.g., state disability programs).
| Voluntary STD | |
|---|---|
| Percent of Earnings | 60%1 |
| Weekly Maximum | $3,500 |
| Elimination Period | 14 days |
| Maximum Duration | 24 weeks |
1 80% for eligible California employees earning at least $63,000 annually.
LTD coverage replaces a portion of your income if your disability keeps you out of work for an extended period. You may select from a range of benefit options based on your income replacement needs. Benefits may be reduced by other income you may qualify for (e.g., Social Security, workers’ comp).
| Voluntary LTD | |
|---|---|
| Percent of Earnings | 60% |
| Monthly Maximum | Up to $10,000 |
| Elimination Period | 180 days |
Maximum period of payment for total disability and partial disability combined:
| Age at Disability | Maximum Period of Payment |
|---|---|
| Less than 60 | To age 65, but not less than 60 months |
| 60 | 60 months |
| 61 | 48 months |
| 62 | 42 months |
| 63 | 36 months |
| 64 | 30 months |
| 65 | 24 months |
| 66 | 21 months |
| 67 | 18 months |
| 68 | 15 months |
| 69 and over | 12 months |
STD covers the early weeks and months of a disability, ensuring you don’t face an immediate gap in income. If your disability continues, LTD picks up after 180 days, providing longer-term financial protection. Together, they create a seamless safety net to protect your paycheck from the start of your disability through an extended leave.
| Plan Features | STD | LTD |
|---|---|---|
| Who pays for the coverage? | Employee | Employee |
| When do benefits start? | Coverage effective after initial eligibility/hire requirements are met | Coverage effective after initial eligibility/hire requirements are met |
| What is the payout timing? | Begins after 14-day elimination period and payout is eligible for up to 24 weeks | Begins after 180 days of disability and payout is eligible for up to Social Security Retirement Age |
| What is the benefit amount? | Up to 60% of gross pay1 | 60% of pre-disability income (up to $10,000/month), reduced by other disability income |
| Who is eligible? | Employees working 32+ hours/week; must enroll when first eligible or provide Evidence of Insurability (EOI) | Employees working 32+ hours/week; must enroll when first eligible or provide EOI |
| How much are the premiums? | Based on age at enrollment; deducted from paycheck | Based on age and elimination period; deducted from paycheck |
| Is the coverage yours to keep? | No portability; tied to employment | No portability; tied to employment |
| What is this plan best for? | Protecting income during short illnesses, injuries, or childbirth | Protecting income for extended disabilities, longer than 6 months |
180% for eligible California employees earning at least $63,000 annually.
unum.com
800-421-0344
Life Group: #415402
Supp. Life Group: #415403
