Your employer is giving you the opportunity to purchase
Unum's group short and long term disability insurance.
Reasons to buy this coverage at work — now
- You are guaranteed
coverage if you sign up during your initial enrollment
at work, as long as the required minimum participation is met*
- No checks to write. Your cost is conveniently deducted
from your paycheck.
- Short term disability coverage can transition smoothly to
long term disability coverage, if needed, without a lapse
in benefits.
Long term disability features that add value:
Long term disability benefits are paid for disabilities for a
covered illness or injury whether you are totally disabled or if
you can work part-time.
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 as appropriate.
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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 – Benefits are not payable until the elimination period is satisfied. The elimination period is the number of days that must pass before you are eligible to receive benefits.
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