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automatic enrollment for disability plans

Helping employees make the best choice.

employees want disability coverage - but they neglect to enroll.



88% of workers think all employers should offer disability insurance1



56% even say they'd pay the full premium2



Only 26% actually sign up, so the majority risk their incomes should they become too ill or injured to work3

Auto-enrollment overcomes the obstacles.

It's easy.

Employees can get this important coverage without lifting a finger.

It's legal.

All benefit plans governed by ERISA (the Employee Retirement Insurance Security Act) can use the automatic enrollment method.4

It works.

When it's used with retirement plans, auto-enroll has been shown to double the number of employees who participate.5

See how it worked for our clients

From large national companies to small local businesses, automatic enrollment has been the right solution for many of our clients.

Employee Participation


Warehouse Club with 70,000 employees


Manufacturing company with 2,000 employees


Auto dealership with 400 employees

When you auto enroll your employees into a unum disability plan, we've got the employee communications covered.

1.5 weeks before enrollment

Employer endorsement email

  • Instill trust
  • Provides short overview of benefits

1 week before enrollment

Pre-enrollment email and landing page

  • Prompts employees to start thinking about enrollment
  • Tells employees what they will be enrolled in, what they can pick, and what the employer covers

First day of enrollment

Enrollment announcement email

  • Prompts employees to pay attention
  • Gives instructions on how to opt-out/enroll (includes a link to self-serve platform where applicable)

1 day before enrollment ends

Reminder email

  • Reminds employers that the last day of enrollment is approaching
  • Includes product info and opt-out/enrollment instructions

1 week after enrollment ends

Post-enrollment email

  • Congratulates employees on the products they enrolled in
  • Points out the benefits of those products

Frequently Asked Questions


What if I prefer to let my employees choose?


Whether you require employees to opt in or opt out of coverage, they're making a choice. Employees are free to decline auto-enrolled insurance, and they can cancel their coverage at any time.


Do employees really need disability insurance?


Most Americans lack the savings to stay afloat without their paychecks. Research shows that 67% of U.S. workers would find it somewhat or very difficult to meet current financial obligations if their paycheck were delayed by one week.6 Long term disability customers who received benefit payments have told us that the coverage prevented more than 50% of them from missing mortgage/rent payments, having to move out of their home, or missing other bills.7


What happens if an employee is enrolled, but doesn't want the coverage?


Employees can cancel their coverage at any time, just by notifying Unum. Compare that to the hassle of trying to enroll and employee who has missed open enrollment. Or the pain of talking to an employee who didn't enroll, but now can't pay the bills due to missed work after an injury or illness.


Does auto-enroll increase our administrative burden?


Not at all. In fact, automatic enrollment makes enrollment easier for employers AND employees. With automatic enrollment, all employees are covered so there is no evidence of insurability filing and you'll never need to request an exception for an employee who missed enrollment.