Employees and families
Serious illnesses or accidents can come out of nowhere. They can interrupt your
life, and your ability to work for months ─ even years. Long term disability can
pay up to 60% of your income, so you have financial support to manage your
disability and your household.
Bill was cleaning leaves out of his gutter, when he fell off the
ladder and hurt his back. A trip to the ER confirmed he had
four herniated discs and would need intensive physical
therapy before he could return to work. Bill’s long term
disability insurance paid a percentage of his lost income,
while he worked to regain his strength.
Bill’s long term disability coverage paid 60%
of his gross monthly income, until he was
able to return to work.
For illustrative purposes only. Coverage plans may vary. Depending on who pays for this coverage, the benefit may be taxable.
The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.
Group long term disability:
Underwritten by Unum Life Insurance Company of America
In New York, underwritten by First Unum Life Insurance Company
In New York:
This group 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.
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.