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Disability Insurance

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.

Helping to protect your finances and way of life

When you get sick or injured, you want to focus on getting well – not on worrying about how to pay the bills or afford next week’s groceries. See how Short Term Disability Insurance may replace a portion of your income. You may be able to purchase Long Term Disability insurance to help support you through a more serious injury or illness.

How Disability Insurance works

Group 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 for several weeks during this time.

Group 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 your coverage depends on your plan.

Individual Disability Insurance

If you earn a higher salary, or rely on bonuses or commissions, Individual Disability Insurance (IDI) can help supplement Long Term Disability Insurance and provide higher levels of income protection coverage should you experience a covered disability and are out of work.

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How Disability Insurance compares

  Group Short Term Group Long Term Individual
Length of possible coverage payments

9–52 weeks

Benefits payable until retirement age

Benefits payable 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: allows you to keep coverage if you leave your company or are no longer eligible for coverage Sometimes portable, depending on plan Sometimes portable, depending on plan

Individually owned and can             be ported

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

Commonly asked questions about Disability Insurance coverage 

Find out all you need to know about both Group Short Term and Long Term Disability

Find out about IDI and whether it’s right for you

Have questions?

Find out more about individual or group disability insurance.

Underwritten by Unum Life Insurance Company of America, Portland, ME.

In New York, underwritten by First Unum Life Insurance Company, Garden City, NY.

For state-specific Short Term Disability insurance, also known as state paid leave: Underwritten by Unum Insurance Company, Portland, ME.

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.

For NY: The Group STD/LTD and Individual Disability 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, 60% for policy form 851, 61% for policy form 850-F and 67% for policy form 851-F. The ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.

Applicable to Policy Forms C.FP-1, et. al, and PFML20-1.

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