What is disability insurance?
Disability insurance provides you with a portion of your income if a covered injury or illness keeps you from working. It can provide benefits for events like injury, surgery or maternity leave. Disability insurance can be sold as an individual or group policy, and there are short term and long term policy options.
Who is the policy holder for my disability plan?
The policy holder for your disability coverage depends on the type of coverage you have. If you have group coverage that your employer selects and purchases for you, your employer is the policy holder. If you have individual coverage that you chose to purchase, you are the policy holder. The policy holder is bound by contract with the insurer and is the one who receives a copy of the actual policy.
Do I have to prove I'm healthy to be insured?
In some cases, Unum may ask you to provide medical information before providing coverage. This information about your health is called "evidence of insurability." It is requested when you or your employer ask for coverage that is above the amount that is guaranteed without evidence of insurability.
An individual who signs up for coverage after the initial benefits enrollment period may also be asked to provide this information.
You can always review your Unum policy booklet, certificate or summary plan description for more information. If you have further questions, please contact Unum's customer service line Monday through Friday, 8:00 a.m. – 11:00 p.m. ET at 1-866-679-3054.