Unum products
Unum's benefits help protect against the financial fallout of illness or injury. These products are often available to workers through their employers, and many of Unum's benefits plans can be purchased by individuals.
Almost three in 10 of today's 20-year-olds will become disabled before reaching age 67.
[1]
Social Security Administration
71% of Americans live paycheck to paycheck without enough savings to cushion a financial blow.
[2]
American Payroll Association
62 percent of all personal bankruptcies filed in the U.S. in 2007 were due to an inability to pay for medical expenses.
[3]
The American Journal of Medicine
With the personal savings rate now at or below zero, few U.S. workers have savings to fall back on in a medical
emergency.
[4]
U.S. Department of Commerce
Only 5% of baby boomers realize they have a one-in-three chance of becoming disabled during their working years.
[5]
Harris Interactive
Disability
Missed time at work due to illness, maternity leave or injury can mean lost income. Disability benefits from Unum replace part of lost income so our customers can focus on recovery. Unum's disability benefits include:
- Group coverage provided through employers
- Voluntary plans that allow employees to buy higher levels of coverage
- Individual coverage purchased independently
- Plans that cover short term or long term disability
Long term care
Conditions including arthritis, heart disease and brain trauma can occur at any age and prompt the need for long term care. Unum's long term care benefits include:
- Group coverage provided through employers
- Voluntary plans that allow employees to buy higher levels of coverage
Life
Unum's life insurance products may ensure financial support is there for families after the death of a loved one. Unum's life insurance plans include:
- Group coverage offered through employers
- Voluntary plans that allow employees to buy higher levels of coverage
- Plans that earn cash value, such as voluntary interest-sensitive whole life
Supplemental health
Accidents or illnesses can mean more than missed work and lost pay — they also can bring big bills. Unum's supplemental health and critical illness benefits can help make ends meet. Our products include:
- Accident insurance
- Critical illness insurance
- MedSupport insurance