When we think of our most important assets, it's easy to forget that our income may be the one that needs protection most.
The average age of an individual filing a disability claim with Unum is 45.
[1]
Unum 2008 Buyers Study
Missed time at work can mean lost income. Common causes of disability absence include:
- Maternity leave
- Cancer treatment
- Back injury
Benefits from Unum can replace part of your income so you can focus on recovery instead of worrying about your ability to pay the bills.
Only 5% of baby boomers realize they have a one-in-three chance of becoming disabled during their working years.
[2]
Harris Interactive
- Short term disability coverage provides benefits when you are unable to work for a short period of time due to a covered illness or injury. These policies typically cover periods from 13 to 52 weeks.
- Long term disability coverage provides benefits when you are unable to work for a longer period of time and may last until you are able to return to work.
- Individual disability coverage can help supplement long term disability benefits by protecting a higher percentage of income or covering types of income like commissions and bonuses that may not otherwise be covered.
Some employers provide group disability benefits at no cost to employees or give employees the chance to buy higher levels of protection. You may also be able to purchase individual disability coverage through your employer. Unum also offers useful,
value-added services with group disability plans.
It pays to know what disability coverage is available to you and how much protection you or your family needs.