By offering a full range of disability benefits, you can ensure your employees are covered in the event they’re unable to work. And the result? A happier, more dedicated and more productive workforce for you.
Almost half (48%) of U.S. workers would only be able to maintain their finances for two months if they had to miss work due to an injury, accident, or serious medical condition.1 For these employees, even a minor illness can cause financial hardship, and a serious health problem or injury could be financially devastating. Unum Disability Insurance can provide a benefit to replace a portion of an employee's lost income.
You can offer three types of Disability Insurance to your employees — coverage can be employer-paid, employee-paid or shared funding.
Through return-to-work benefits and programs, Unum also helps employees come back to their jobs, saving you the cost and disruption of lost productivity — or hiring replacements.
When the time is right, we equip employees with the resources they need to prepare for their transition back to the workplace, including verifying return dates, facilitating paperwork, reimbursing for worksite modifications and more. Return-to-work resources are standard with all Unum Short and Long Term Disability Insurance plans.2
Together, these plans can offer valuable coverage that can help your employees through a disability.
| Short Term* | Long Term | Individual | |
|---|---|---|---|
| Length of possible coverage payments | 9-52 weeks | Benefits can be payable until retirement age | Benefits can be payable until retirement age |
| Amount that the benefit can pay | Up to 60% of your monthly income | Up to 60% of your monthly income | A higher percentage of your pre-disability earnings |
| Portability | Sometimes portable, depending on plan | Portable in most cases | Individually owned and can be ported |
| Commonly used by people who experience |
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By offering both Short and Long Term Disability Insurance through Unum, the plans can work together to keep employees protected when a disability lingers. The long term policy picks up when the short term policy ends, so employees do not wind up “between plans” and face a period without income. IDI provides additional protection for employees who earn higher incomes.
Available with select Unum employee benefits plans, these services help your employees be even more prepared for challenges life might throw their way.3
Leave and absence management
Total Leave helps streamline absence management for HR while making leave easy and accessible for employees.
*Group and Individual
State mandated limitations for legal services in WA apply.
This advertisement has not been approved in New Mexico and Oregon.
THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for policy form 850 is 54%, 850-F is 61%, 851 is 60%, 851-F is 67% and FUL-21776 is 50%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.
The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability. Applicable to policy forms C.FP-1 et.al, 850 and 851, L-21776 or FUL-21776.
Group disability: Underwritten by Unum Life Insurance Company of America, Portland, ME. In New York, underwritten by First Unum Life Insurance Company, Garden City, NY.
IDI: Underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN. In New York, underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.
Individual Short-Term disability: Underwritten by Provident Life and Accident Insurance, Chattanooga, TN. In New York, underwritten by First Unum Life Insurance Company.
