Individual Disability Insurance

IDI is ideal for higher salaries and commission-based income

If you had a disabling injury or illness, how much of your income would be at risk? Individual Disability Insurance can provide an additional monthly benefit if you experience a covered disability, so you focus on your recovery — not your finances.

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Help protect your lifestyle even if you can't work

Unum Individual Disability Insurance helps fill the gap

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

Individual Disability reviews:


Learn more about Individual Disability Insurance

How Individual Disability Insurance can help cover expenses

The example below shows how Individual Disability Insurancae 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.

 Closing the gap in disability insurance

*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.

Commonly asked questions about Individual Disability Insurance

What is Individual Disability Insurance?

Individual Disability Insurance (IDI) can help supplement Long Term Disability (LTD). IDI can provide an additional monthly benefit in the event of a disability, protecting more of you income. In addition, IDI can help cover income from commissions, bonuses and other incentive pay that traditional LTD plans may not cover.

IDI is typically offered by the employer to a group of employees, on a voluntary or employer-paid basis.

Who is eligible for Individual Disability Insurance?
Individual Disability Insurance is designed to support the needs of executives and professionals with high salaries or uninsured earnings. However, anyone with a gap in coverage due to Long Term Disability benefit maximums or uninsured earnings may be eligible for IDI coverage.
What if my Long Term Disability plan is with another carrier?
There are significant advantages to having an integrated Unum Long Term Disability (LTD) and Individual Disability Insurance (IDI) solution. However, your employer can offer Unum IDI, regardless of the current LTD carrier.
How much income does Individual Disability Insurance protect?
Individual Disability Insurance can protect a higher percentage of your pre-disability earnings. Your Unum representative will customize a solution to meet your specific income protection needs.
How long can I receive benefits?
The length of time you can receive benefits depends on your policy. Some policies will pay benefits until you turn 67. Others have maximum benefit periods as short as two years. You must remain disabled under the terms of your policy to keep receiving benefits during these time periods; however, you may be eligible for a portion of your benefits as you return to work.
Can I keep this coverage if I leave my job?
Yes, Unum Individual Disability Insurance is 100% portable. You own the policy, so you have the option to continue coverage after leaving the company.

Individual Disability

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.

The reviews on our website represent the individual experiences of verified Unum customers. We publish reviews we receive in their original format, after reviewing to ensure they meet our guidelines set forth in our terms & conditions.