"Our customers depend on us to be responsive to the challenges they face. We answer with practical solutions that focus on their needs. — Pam Reed, Unum Client Services

As the income protection industry leader,¹ we offer innovative solutions that bring value to our customers along with tools and resources that can make the job of managing benefits quicker and easier. In fact, 92% of our customers characterize Unum as "easy to do business with."²

Whether your business is a family venture, a small firm or a Fortune 500 company, we are dedicated to delivering outstanding personal service.

Our commitment: To provide service that is personal, responsive and focused on results that meet our customer needs.

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Personal Service Begins With Our People

We offer the income protection industry's largest local sales and service commitment. Training our customer contact center professionals is a top priority. We invest significant resources to provide prompt, responsive service for every customer, every time.³ Our local field sales and service professionals are backed by strong home office support.

We offer innovative solutions tailored to fit customer needs. Our account managers work with companies of all sizes small, mid-size and large. We have the expertise to respond effectively to diverse employee populations, industries, business cultures, cost concerns, technological capabilities and benefit needs. And our customers tell us 91% that Unum offers high-quality services.⁴

We stand by our commitments. Our claimants receive a personal guarantee in writing that their claim service will be timely and responsive.⁵ We effectively communicate with employers and employees at claim time to let everyone know what to expect when they file a claim. In 2005 alone, our company paid $6 billion in benefits⁶ providing support to hundreds of thousands of individuals and families through a difficult time.

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Responsive Helping You Work Smarter

Our technology tools simplify your work. Our free employer Internet services are often described as a virtual administrative assistant that can increase the speed, ease and accuracy of managing Unum group benefits. Benefit managers can view bills, pay premiums, update employee information and access forms and reference tools quickly online. The input from benefit managers underscores the value of this service, with 98% of registered customers continuing to be users.⁷ For an additional cost, customers can receive assistance in managing their entire benefits program with additional online tools.

We put the largest private disability database to work for our customers.⁸ We know companies today depend on reliable information and data. Our Comparative Reporting & Analysis offers reporting options to help monitor costs and employee absence. Our service includes fee-based enhanced and customer reporting packages that can benchmark your claim experience within and across industries to identify trends and the impact of shifting demographics.

We deliver our customers' message with full-service communication and enrollment technologies. We can help strengthen employee loyalty and participation at enrollment time. Our communication strategies help employees appreciate the value of their total benefit package, in turn helping increase participation in programs such as supplemental benefits, flexible spending accounts and 401(k). Our proprietary laptop and Web-based self-service options along with local on-call professional enrollers, are just a few of our effective enrollment capabilities.

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Focused on Results Lending a Hand With Expert Resources

Our work-life balance employee assistance program helps both employees and managers. Get objective advice on referrals on locating childcare, purchasing a car, or dealing with a difficult co-worker. Local referrals and research are available related to work, family, finance or the law at no additional cost even if an employee never files a claim. These services are provided exclusively by Ceridian, an industry leader with over 30 years of experience. Employees who have used these services report that 74% missed less work, 70% are more inclined to stay with their company, 80% reported reduced stress, and 71% reported improved productivity.⁹ For more information on our other employee support services worldwide emergency travel assistance, survivor financial counseling services and LTC Connect click here.

Employee leave management services can help control costs. We offer the technical capabilities and expertise to coordinate disability claims with the Family and Medical Leave Act and complex state leave laws helping address compliance challenges.

We offer proactive return to work program support. Because work plays an important role in life and livelihood, we support a disabled employee's efforts to remain on the job or return to work when appropriate. We work with companies of all sizes to develop strategies that advocate safety and productivity, and support this with online resources for managers.

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Unum is the marketing brand of Unum Group's insuring subsidiaries. Insurance products are underwritten and sold, and services provided by the subsidiaries of Unum Group. Not all companies do business in all jurisdictions. In New York, insurance products are offered by First Unum Life Insurance Company, Provident Life and Casualty Insurance Company and The Paul Revere Life Insurance Company. Unum represents the multiple insuring subsidiaries of Unum Group, including the #1 group and individual income protection carriers in the United States, according to the JHA 2003 U.S. Group Disability Market Survey, 2004, and JHA 2003 U.S. Individual Disability Market Survey, 2004.

1. Unum represents the multiple insuring subsidiaries of Unum Group, including the #1 group and individual income protection carriers in the United States, according to the JHA 2003 U.S. Group Disability Market Survey, 2004, and JHA 2003 U.S. Individual Disability Market Survey, 2004.
2. Fall 2005 Employer Loyalty Study conducted by Harris Interactive.
3. Contact Centre Benchmarking, 2003.
4. Unum Group proprietary research conducted by Abt Associates Inc., Customer Satisfaction Studies, Fall 2003.
5. Unum Service Commitment Card communication to claimants, June 2004 printing.
6. 2005 experience for all lines of business.
7. Unum internal data, December 2003.
8. JHA 2003 U.S. Group Disability Market Survey, 2004, and JHA 2003 U.S. Individual Disability Market Survey, 2004.
9. Ceridian Corporation, Customer Surveys 1/1-3/31/04.