Individual disability insurance (IDI)
Top employees deserve benefits that work as hard as they do. IDI can be a powerful tool to help businesses attract a workforce that delivers results.
When IDI is added to group long term disability coverage, employers can maximize their employees’ financial protection. This combination provides higher monthly benefits to help employees pay their expenses while they’re unable to work. IDI helps protect the lifestyle employees have worked so hard to achieve.
Employees have enough to think about during a disabling event. So Unum makes the claims process simpler. By integrating IDI with group long term disability, employers can ensure that their employees have one point of contact for personal support — and their benefits are paid in a timely, consistent, predictable manner.
Read an IDI success story
Calculate your disability needs
The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefit payable. See the actual policy or your Unum representative for specific provisions and details of availability.
Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, Tennessee
In New York by: Provident Life and Casualty Insurance Company, Chattanooga, Tennessee
NY: This 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 Insurance Department. The expected benefit ratio for this policy is 60%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.