By offering a full range of disability benefits, you can ensure your employees are covered in the event they’re unable to work. And the result? A happier, more dedicated and more productive workforce for you.

It’s estimated that some 25% of today’s U.S. workers aged 20 to 50 years old will become disabled before the age of 67.¹ Yet less than one-fourth of U.S. consumers have enough emergency savings to cover six months or more of their expenses.² For these employees, even a minor illness can cause financial hardship, and a serious health problem or injury could be financially devastating. Unum Disability Insurance can safeguard against the unexpected expenses of being out of work and help employees.

There are three types of Disability Insurance you can offer to provide support for your employees in a wide variety of circumstances. Coverage can be employer-paid, employee-paid or shared.

Through return-to-work benefits and programs, Unum also helps employees return to their jobs, saving you the cost and disruption of lost productivity — or hiring replacements.

Together, these plans offer comprehensive coverage to help your employees through a disability.

Short Term Disability Insurance

This benefit can pay a portion of an employee’s compensation while they are out of work due to a covered injury, sickness or childbirth. Benefits can last for up to several weeks.

Long Term Disability Insurance

Long Term Disability Insurance coverage typically begins where Short Term Disability coverage leaves off, providing benefits for illnesses or injuries that have longer recovery periods. Coverage can last from several months to several years.

Supplemental Individual Disability Insurance (IDI)

IDI can provide additional protection for uninsured income, making it ideal for higher salary earners and employees who rely on commissions and bonuses that might not be covered under traditional Long Term Disability Insurance.

Available with select Unum employee benefits plans, these services help your employees be even more prepared for challenges life might throw their way.

Work-life balance employee assistance program (EAP)⁵

Your employees may already have a lot on their minds — from finances to relationship issues. Does this affect their ability to focus on the job?

Unum’s work-life balance EAP can help employees prepare for the unpredictable — and keep small struggles from turning into major issues. With this program, they can receive guidance and support for issues that take their attention away from your business. And that means they can be more productive, both at work and at home.

Emergency travel assistance⁶

Even the most thorough itinerary can’t prevent lost medication, accidents or sudden illnesses. So help your employees prepare — with Unum’s worldwide emergency travel assistance. This service is available 24/7 to employees when they travel 100 or more miles away from home, whether for work or pleasure.

HR®/BenefitsAnswersNow™ ⁷

Plan administrators and managers have a responsibility to stay current on employment laws and insurance guidelines. HR/BenefitsAnswersNow puts all the answers you need in one place. These two constantly updated online libraries contain HR compliance and benefits information.

*Injury category includes poisoning.
1. Social Security Administration, “Disability and Death Probability Tables for Insured Workers Born in 1994” (Dec. 2015).
2. Bankrate, “American Financial Security Jumps 3% in June” (2015).
3. Unum internal data, 2014.
4. Unum internal data, 2015.
5. The Work-life balance employee assistance program, provided by LifeWorks, 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.
6. 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.
7. 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.