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