You still need money, even if you can't work.

Discover your
danger score

Learn what your lifestyle's daily risk level is - and how it might impact your likelihood of becoming hurt and unable to work - with our quick quiz.


When life throws you curves, be ready

"If I didn't have disability insurance, I would've lost my home and probably filed for bankruptcy. It's let me support myself."


Unum plan participant 1


Frequently Asked Questions:

  • How do I purchase disability insurance from Unum?

    Unum coverage is only available as an employee offering. Check with your employer's benefits representative to see if you're eligible or attend your company's next open enrollment session.

  • Won't Workers' Compensation cover me if I'm unable to work?

    Most injuries are not work-related and therefore not covered by workers' compensation.4In fact, more than 3x as many injuries that require medical attention occur off the job than at work.5

  • What about Social Security Disability payments?

    Social Security Disabiity Insurance pays only for total disability that is expected to last for at least one year or result in death.6 Nearly 70% of workers applying for Social Security are denied. 7

  • How does disability insurance protect my income?

    Disability Insurance replaces a portion of your paycheck for a specific period of time (i.e. several weeks) if you can't perform your occupation due to injury or illness.

  • What does Unum disability insurance cover?

    Short term disability benefits can pay a portion of your income if you can't work for several weeks due to a covered injury or illness. Long term disability benefits replace a portion of your income if you become disabled for more than several weeks.

    For more detailed information on Unum disability insurance, please visit our FAQ.

  • How much does disability insurance cost?

    The average monthly cost for long-term disability coverage is $20-$30.8

  • How do people typically get disability insurance?

    At least 90% of long term disability insurance owners obtained their coverage through the workplace.9

It's enrollment season.

Ask your employer about your disability insurance options.