If you earn a higher salary, or rely on bonuses or commissions, you may need additional income protection to provide for you and your loved ones while on leave from work due to a covered illness or injury. Long Term Disability (LTD) is an excellent foundation for income protection; but benefit maximums, uncovered compensation, and taxable benefits may leave higher income earners with a gap in coverage.

How an IDI policy helps you protect your income:

• Can replace a higher percentage of your income
• Can cover commissions and bonuses
• Individually owned, so you can keep the policy if you change jobs
• Benefits are not offset by Workers' Compensation and Social Security Disability Insurance payments

The example below shows how Individual Disability Insurance can help close the gap left by other Disability Insurance. As a higher earner, you may have earnings that aren't covered by regular Disability Insurance, requiring you to dip into savings or rely on loved ones. Individual Disability Insurance can provide an additional monthly benefit to help you cover your bills and day-to-day expenses without causing long-term damage to your financial health.

*Group Long Term Disability (LTD) plans typically do not cover incentive compensation (i.e., bonus or commissions). Talk with your benefits counselor to confirm LTD covered earnings in your plan provisions.

** Many Group Long Term Disability (LTD) plans are paid for by the employer and may be subject to tax, thereby decreasing the monthly benefit.

Your LTD and IDI benefit maximums may be higher or lower than the illustrated amount. Check with your benefits counselor to confirm the benefit maximums in your plan provisions.

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

This individual policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 60%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.

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

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