*Injury category includes poisoning.
- Social Security Administration, “Disability and Death Probability Tables for Insured Workers Born in 1998,” 2018.
- EBRI, “The 2020 Retirement Confidence Survey,” 2020.
- Unum internal data, 2018. Note: Causes are listed in ranked order.
- Unum internal data, 2018. Note: Causes are for claims first paid in 2018. Context: (Note to user: This is for Unum US only. These numbers exclude Unum UK and Colonial Life.)
- The Work-life balance employee assistance program is available with select Unum insurance offerings. Terms and availability of service are subject to change. Service provider does not provide legal advice; please consult your attorney for guidance. Services are not valid after coverage terminates. Please contact your Unum representative for details.
- Worldwide emergency travel assistance services, provided by Assist America, Inc., are available with select Unum insurance offerings. Terms and availability of service are subject to change and prior notification requirements. Services are not valid after coverage terminates. Please contact your Unum representative for details.
- HRAnswersNow® and BenefitAnswersNowTM, provided by CCH, are available with select Unum insurance offerings. Terms and availability of service are subject to change. Service provider does not provide legal advice; please consult your attorney for guidance. Services are not valid after coverage terminates. Please contact your Unum representative for details.
The policies or their provisions may vary or be unavailable in some states. The policies have 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 disability: Underwritten by Unum Life Insurance Company of America. In New York, underwritten by First Unum Life Insurance Company.
Individual disability: Underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN.
In New York, underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN
These 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 ratio for the individual policy is policy is 60%. This ratio is the portion of future payments that the company expects to return as benefits when averaged over all people with this policy.