Employees and families
For your convenience, we’ve provided a list of answers to common questions about our benefits. Your HR representative may also be able to provide additional information.
Each claim is unique and Unum may request additional supporting medical records to make a decision on a claim. Claim information may be found on the Unum website by logging in here. You may also access claim information on your Apple or Android device using the Unum Customer App.
Once Unum establishes that an employee meets the definition of disability, then to be eligible for benefits you:
You may be requested by Unum to provide updated medical information to verify your disability and continued eligibility for benefits beyond the initial approval of your claim.
The 6 and 8 week periods include the elimination period. For example, if the elimination period is 7 days, then a normal delivery is paid 5 weeks of benefits.
If an employee has complications due to pregnancy and continues to meet the definition of disability as defined in the policy, payments may continue beyond the 6 week period.
Each claim is unique and Unum may request additional supporting medical records to make a decision on your claim. It is your responsibility to work with your physician to provide Unum with medical documents on your illness or injury.
Disabilities due to complications of pregnancy will be covered the same as any other covered sickness.
The standard pregnancy benefit is 6 weeks and includes the Elimination Period. For example, if the Elimination Period is 7 days, then a normal delivery is paid 5 weeks of benefits.
Individual Disability Insurance (IDI) is typically offered by the employer to a group of employees, on a voluntary or employer-paid basis.
The number of days for the recurrent provision is stated in the policy.
If an employee becomes disabled after the number of days in the recurrent provision, or due to a new medical condition, a new claim would need to be filed.
Most policies will allow employees to work part-time while on claim. Typically, an employee will need to have a certain percentage of their earnings lost to disability for a claim to remain active.
Please review the definition of disability, outlined in the certificate of coverage.