Long Term Disability Insurance

Get payments of up to 60% of your income for a covered accident or serious illness

You never expect a serious illness or accident to happen, but when it does, it can interrupt your ability to work for months — even years. Long Term Disability Insurance can give you the financial support you need to manage your disability and your household.

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The help you need when you're unable to work

Long Term Disability Insurance takes a weight off your shoulders

If you experience a covered illness or disability that leaves you unable to work for an extended period of time, Unum Long Term Disability Insurance can pay a monthly benefit of up to 60% of your normal income. You can use this benefit however you need, whether it’s to pay out-of-pocket treatment costs or to cover personal bills and day-to-day expenses.

Our coverage includes treatment for serious forms of cancer, as well as recovery from severe injuries. The most common reasons our customers use this benefit are1:

  • Cancer
  • Back disorders, excluding injury
  • Injuries
  • Cardiovascular disorders
  • Joint disorders

A disability can drastically impact your financial situation if you’re not prepared. If you’re the primary income provider in your home, a disability can place a huge stress on your loved ones. Protect what you’ve worked so hard to build. Talk with your HR representative to see if Long Term Disability Insurance is available through your workplace.

Hear Marina's story

Bill laughing with his friends

Financial protection when Bill was unable to work

Bill was cleaning leaves out of his gutter when he fell off the ladder and hurt his back. A trip to the ER confirmed he had four herniated discs and would need intensive physical therapy before he could return to work. Bill’s Long Term Disability Insurance paid a percentage of his lost income, while he worked to regain his strength.

How Bill's plan paid off:

Bill's Long Term Disability Insurance paid 60% of his gross monthly income until he was able to return to work.

  • Annual salary: $69,600
  • Gross monthly earnings: $5,800
  • Monthly benefit: $3,480

He used the money to pay for:

  • Mortgage payments
  • Child care costs
  • Utilities
  • Credit card bills

For illustrative purposes only. Coverage plans may vary. Depending on who pays for this coverage, the benefit may be taxable.

Commonly asked questions about Long Term Disability

Your employment and returning to work

1. Unum internal data, 2016. Note: Causes are listed in ranked order.

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

Group Long Term Disability:
Underwritten by Unum Life Insurance Company of America, Portland, ME.
In New York, underwritten by First Unum Life Insurance Company, New York, NY.

In New York:
This group 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 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.