Employees and families
If you had a disabling injury or illness, how much of your income would be at risk?
With Unum Supplemental Individual Disability Insurance (IDI), you can protect more of your income—and the things that matter most.
If you earn a higher salary, or rely on bonuses or commissions, you may need additional income protection in the event of a disability. Long term disability (LTD) coverage is an excellent foundation for income protection; however, LTD plans do not typically cover bonuses or commissions. In addition, LTD benefit maximums may leave higher income earners with a shortfall in coverage.
Unum IDI can supplement LTD and any other individually owned disability insurance to provide an additional monthly benefit in the event of a disability.
If the individual below faced an interruption to income due to a disability, they may have trouble covering their monthly expenses. IDI can provide an additional monthly benefit, so the individual can focus on recovery, not finances.
*Group Long Term Disability (LTD) plans typically do not cover incentive compensation (ie bonus or commissions). Talk with your benefits consultant to confirm LTD covered earnings in your plan provisions.
**Many Group Long Term Disability (LTD) plans are paid for by the employer and may be subject to tax, thereby decreasing the monthly benefit.
The LTD monthly benefit has been capped at a $10,000 maximum for illustrative purposes.
The IDI monthly benefit has been capped at a $5,000 maximum for illustrative purposes.
Your LTD and IDI benefit maximums may be higher or lower than the illustrated amount, check with your benefits consultant to confirm the benefit maximums in your plan provisions.
Individual disability insurance:
Underwritten by Provident Life and Accident Insurance Company
In New York, First Unum Life Insurance Company
This individual policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for this policy is 60%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.