Disability Insurance

Help protect your finances when you can’t work

You never expect to be in a position where you can’t work, but something as simple as a back injury or maternity leave could mean time off of work without pay. Fortunately, depending on your plan, you could receive benefits up to 50-70% of your salary through Disability Insurance.

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Unum Disability Insurance

Help protect your way of life

When you get sick or injured and are unable to work, you don't want to worry about how you'll pay the bills or wonder where the money for next week's groceries will come from. Disability Insurance can help replace a portion of your paycheck — you can think of it as income protection.

Disability Insurance might make sense for you if:

  • You don't have a large amount of savings or other sources of income available.
  • You depend on your income to support your lifestyle.
  • You can't afford to be out of work for weeks or months at a time.
Individual Disability Insurance
If you earn a higher salary, or you rely on bonuses or commissions, Individual Disability Insurance can supplement Long Term Disability Insurance and provide higher levels of income protection coverage if you experience a covered disability and are out of work.
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Long Term Disability Insurance
If you're out of work for a longer period of time due to a serious illness or accident, Long Term Disability Insurance can help you maintain financial independence. The length of coverage depends on your plan.
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Short Term Disability Insurance
After surgery, childbirth or other covered situations, Short Term Disability Insurance can be a helping hand while you're out of work. Your plan could pay a portion of your income if you can't work for several weeks due to a covered injury or illness.
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How Disability Insurance works

Being unable to work doesn't have to hurt your bank account

If you have Disability Insurance and become unable to work due to a covered injury or illness, you can file a claim with Unum and begin collecting benefits while on leave from your job.

Disability Insurance can help provide for you and your loved ones while you're on leave. Depending on your plan, you could receive payments of up to 60% of your salary through disability coverage. Benefits can be used as you see fit, to cover things like rent, car payments, day-to-day expenses or out-of-pocket treatment costs.

How disability coverage compares

  Short Term Long Term Individual
Length of possible coverage payments 9–52 weeks Benefits paid until retirement age Benefits paid until retirement age
Amount that your benefit can pay Up to 60% of your monthly income Up to 60% of your monthly income A higher percentage of your pre-disability earnings
Portability Sometimes portable, depending on plan Portable in most cases Individually owned and can be ported
Most commonly used by people who experience
  • Pregnancy
  • Injuries
  • Joint disorders
  • Digestive issues
  • Cancer
  • Cancer
  • Back disorders
  • Injuries
  • Cardiovascular disease
  • Joint disorders
  • Musculoskeletal issues
  • Cancer
  • Back disorders — excluding injury
  • Cardiovascular disease
  • Nervous system disorders
  • Behavioral health issues

How Disability Insurance can help

Michelle: Ankle Surgery

Michelle was showing her son how to block a kick when she took an unexpected fall and broke her ankle. She needed minor surgery and a cast, which kept her away from work for several weeks. Michelle's Short Term Disability Insurance helped her pay the bills, so she could continue caring for her son while she was unable to work.

Fatima: Back Surgery

Fatima was cleaning leaves out of her gutter when she fell off the ladder. A trip to the ER revealed she had several herniated discs and would need intensive physical therapy. Fatima's Long Term Disability Insurance helped her contribute to her family's mortgage, utilities, credit card bills and day-to-day expenses while she focused on regaining her strength.

Sarah and Dan: Maternity Leave

Sarah's company doesn't offer paid maternity leave, and being out of work for weeks without income would put a strain on their lifestyle. After having a baby, she and Dan used her Short Term Disability Insurance to cover their everyday expenses. Sarah could recover and focus on adjusting to life with her new baby without the added stress.

The examples above are for illustrative purposes only. Benefits may vary.

Commonly asked questions about Unum Disability Insurance

Employers and HR representatives

Find out more about offering individual or group disability insurance for your employees.

The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

Applicable to Policy Forms: C.FP-1 et. al. (Group STD and LTD), 850, 850-F, 851, 851-F (Individual Disability) and L-21776, FUL-21776 (ISTD).

These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratios for the Individual Disability policies are 54% for policy form 850, 61% for policy form 850-F, 60% for policy form 851 and 67% for policy form 851-F. The expected benefit ratio for Individual Short Term Disability policy form FUL-21776 is 50%. The ratio is the portion of future payments that the company expects to return as benefits when averaged overall people with the policy.

Group Short Term and Long Term Disability insurance are underwritten by: Unum Life Insurance Company of America, Portland, ME. In New York, underwritten by First Unum Life Insurance Company, Garden City, NY.

Individual Disability insurance is underwritten by: Provident Life and Accident Insurance Company, Chattanooga, TN. In New York, underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.

Individual Short Term Disability insurance is underwritten by: Provident Life and Accident Insurance Company, Chattanooga, TN. In New York, underwritten by First Unum Life Insurance Company, Garden City, NY.