Long Term Disability Insurance

The Group Insurance Commission (GIC) is offering you long-term disability insurance through Unum.

Long-disability insurance covers what matters most. Unum's long-term disability coverage ensures you will be paid 55 percent of your gross monthly salary tax-free (up to $10,000) if you cannot work due to a covered injury or illness for 90 consecutive days.

These benefits can help you cover your expenses and protect your finances.

Plan Highlights Summary Plan Description

Product Features

Unum's long-term disability coverage features programs for rehabilitation, worksite modifications, part-time return-to-work strategies, and a number of other resources to help you maximize your abilities in the event that you experience a disability.

If you are receiving long term disability benefits and participating in the return-to-work program, you can receive an additional 10% of your gross disability benefit (up to $1,000 per month). You may also qualify for a dependent care benefit for family members under age 15, of for family members over 15 who require personal care assistance.

LTD and Your Health Insurance

We also want you to be aware that your GIC health insurance incudes benefits to help you manage the stress that can arise from coping with a serious health condition.

All plans offer care management services, which pair you with an advocate to help you best navigate the health care system. Your plan also offers behavioral health care management, as well as personalized assistance in accessing behavioral health care. Below please find the contact information for the GIC health plans:

Beacon Health Options (behavior health care for all UniCare State Indemnity Plan, Tufts Navigator and Spirit members): 855-750-8980
Fallon Health: 866-344-4442
Harvard Pilgrim Health Care: 888-777-4742
Health New England: 800-842-4464
Neighborhood Health Plan: 866-567-9175
Tufts Health Plan medical benefits: 800-870-9488
UniCare State Indemnity Plan medical benefits: 800-442-9300

Social Security / Disability Retirement Assistance

If you wish to file an application for disability insurance through Social Security Unum can put you in touch with an expert who can assist you through the process. The service is voluntary and at no cost to you.

Tom's Accident

"Tom was cleaning leaves out of his gutter when he fell off the ladder and hurt his back. A trip to the ER confirmed that he had four herniated discs and would need months of intensive physical therapy before he could return to work. Tom’s long-term disability insurance paid a percentage of his lost income, while he worked to regain his strength."

How Tom’s plan paid off:

Tom’s long-term disability coverage paid 55% of his gross monthly income until he was able to return to work.

Annual salary: $69,600

Gross monthly earnings: $5,800

Monthly benefit: $3,190 Tax free

Tom’s disability benefit helped him pay for his family’s:

Mortgage
Child care costs
Utilities
Credit card bills

Links to some of our other websites

Additional guidance can be found on the GIC site including "How to File a Claim" and a FAQ

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