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Get the coverage you need.
Your employer is giving you the opportunity to purchase Unum's group long term disability insurance.

Reasons to buy this coverage at work — now

  1. No medical questions to answer. You are guaranteed coverage if you sign up during your initial enrollment at work.*

  2. No checks to write — your cost is conveniently deducted from your paycheck.

  3. You can take advantage of affordable group rates.

Extra long term disability features that add value:

Long term disability benefits can provide a monthly benefit whether your disability prevents you from working at all or limits your ability to work.

Return-to-work support

Unum's insurance plan features programs for rehabilitation, worksite modifications, part-time return-to-work strategies, and a number of resources to help employees maximize their abilities after experiencing a disability.

If you are receiving long term disability benefits and participating in the return-to-work program, you can receive an additional 10% of your gross disability benefit (up to $1,000 per month). You may also qualify for a dependent care benefit for family members under age 15, or for family members over age 15 who require personal care assistance.

Work-life balance (EAP)**

Work-life balance provides professional assistance for a wide range of personal and work-related issues. The service is available to you and your family members 24 hours a day, 365 days a year, and provides resources to help employees find solutions to everyday issues, such as financing a car or selecting child care, as well as more serious problems, such as alcohol or drug addiction, divorce or relationship problems. There is no additional charge for using the program, and employees do not have to have filed a disability claim or be receiving benefits to use the program.

Social Security Disability Insurance assistance

Social Security Disability Insurance only covers severe disabilities that are expected to last at least 12 months or results in death. However, if you need to file an application for federal Social Security Disability Insurance assistance, Unum can put you in touch with an expert who can assist you through the process.4

What are these?

Benefit period and elimination period

Your plan will include a set benefit period and elimination period. If you are not familiar with those terms, here's a quick explanation:

Benefit period – If you become disabled, this is the maximum amount of time you can receive benefits for a covered disability.

Elimination period – This is the number of days that must pass between your first day of a covered disability and the day you can begin to receive benefits.

*Benefits may be subject to a pre-existing provision.

**The work-life balance employee assistance program is provided by Ceridian Corporation and is available with selected Unum insurance offerings. Exclusions, limitations and prior notice requirements may apply, and service features, terms and eligibility criteria are subject to change. The service is not valid after termination of coverage and may be withdrawn at any time. Please contact your Unum representative for full details.

4 Social Security advocacy assistance program services are provided by GENEX Services Inc.
EN-1058-WLB (10-10)