At Unum, we're in the business of helping people through difficult times in their lives. Our financial protection benefits provide individuals and their families with the financial security they need to better cope with the loss of a loved one or the inability to work due to illness or injury.

We offer a full array of benefits solutions — including education, enrollment services and valuable claim support — to meet the needs of both employers and their workers. We also offer award-winning absence management and vocational rehabilitation services, which help ease the disruption to both businesses and employees by enabling them to return to full capacity as soon as they are able.

We provide these benefits through three distinct, but similarly focused businesses — Unum US, Unum UK and Colonial Life — each of which is a market leader in making disability, life, accident and critical illness products accessible in the workplace.

In addition to a broad portfolio of products that meet today's needs, we have a stable, consistent presence in the market and an experienced workforce with extensive knowledge of the benefits landscape. We take pride in our responsibility as a source of expertise and guidance for employers and their employees, including keeping them informed of emerging trends in employee benefits — such as rising healthcare costs that have led employers to share more of the costs of coverage with their employees.

We've responded with benefits that provide choice in funding, flexible coverage options and simplified administration. Our extensive employee benefits education helps workers understand what coverage they need, the choices they have and the value of their benefits. And our professional benefits specialists are committed to helping people through their claims as quickly as possible and providing a fair and thorough evaluation.

By acting as a reliable resource for those we serve, at a time when it can be tough to know which way to turn, we play a crucial role in the things that matter most.

We're proud of the fact that, according to third-party surveys, we regularly outperform our industry in key measures of customer and claimant satisfaction.

Most importantly, our customers know they can count on Unum when the unexpected occurs. More than 20 million people at 170,000 companies rely on Unum's products and services — including a third of Fortune 500 companies — and we paid out more than $6 billion in benefits last year to individuals and families who were impacted by life-changing events.