Your employer is giving you the opportunity to purchase
Unum's group long term disability insurance.
Reasons to buy this coverage at work — now
- No medical questions to answer. You are guaranteed
coverage if you sign up during your initial enrollment
at work.*
- No checks to write — your cost is conveniently deducted
from your paycheck.
- 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.
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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.
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