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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 are paid for total or partial disability for a qualifying event.

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.

Return-to-work benefit
Employees on long term disability who are in the return-to-work program can receive 110% of their gross disability benefit and an additional dependent care benefit for family members under age 15, or personal care for family members over age 15.

Social Security Disability Insurance issistance
Social Security Disability Insurance is only for people with severe disabilities that are expected to last at least 12 months or result in death. However, if you need to file an application for federal Social Security Disability Insurance assistance, Unum will assign experts to assist you through the process.2

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 accrue your disability benefits.

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

2 Social Security advocacy assistance program services are provided by GENEX Services Inc.
EN-1058 (3-08)