37 / 48
37
Accidents and illnesses that keep you
off the job can happen to anyone and
are more common than you might
think. It’s estimated that an accident
or illness will keep three out of every
ten employees between the ages of
35 and 65 out of work for a period of
three months or longer.
1
Important information:
• This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be
unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and
availability, please refer to Policy Form: L-21776 (FUL-21776 for NY) (L-21820-CA) and contact your Unum representative.
• If you have a pre-existing condition within a 12-month period (six-month period applies in ID and NV) before your coverage effective date, benefits
will not be paid for a disability period if it begins during the first 12 months (six-month period in TX for applicants age 65+) the policy is in force. A
pre-existing condition is a condition for which symptoms existed (within 12 months before your coverage effective date) that would cause a person
to seek treatment from a physician or for which a person was treated or received medical advice from a physician, or took prescribed medicine. The
determination on whether your condition qualifies as pre-existing will be based on the date of disability and not the date you notify Unum.
• Nine months after coverage becomes effective, pregnancy is considered the same as any other covered illness. (Note: this nine-month giving birth
exclusion is not applicable in KS, MT and OK.) The available monthly benefits will be paid upon fulfillment of the elimination period. Benefits will not
be paid if the insured individual gives birth within nine months after the coverage becomes effective. However, medical complications of pregnancy
may be considered as any other covered sickness, subject to the pre-existing condition limitation.
• 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 50%. This ratio is the portion of future premiums which the company expects to return as benefits, when
averaged over all people with this policy.
• Unum complies with all state civil union and domestic partner laws when applicable.
• Underwritten by: Provident Life and Accident Insurance Company, 1 Fountain Square, Chattanooga, TN 37402. (In New York, Underwritten by First
Unum Life Insurance Company, New York, New York.)
CE-13141 (9-13)
Plan Advantages:
• You can choose a monthly benefit from $400 to $5,000 for an illness or
off-the-job injury. Coverage up to 60% of your gross monthly salary may
be offered (max of 40% in CA, HI, NJ, NY and RI).
• Affordable coverage. Your premiums are based on your age when you
buy the insurance and will not increase as you get older.
• Available to eligible employees age 17-69 (age 64 in CA and NY) who
are actively at work.
• Premiums are conveniently deducted from your paycheck.
• You own the policy. If you leave or retire, you can take your policy with
you and pay the same premium. Unum will bill you directly at home.
Voluntary Benefits
continued
Voluntary Short Term Disability Insurance
Unum individual short term disability insurance replaces a portion of your
income if you are unable to work due to a covered injury or sickness. Coverage
begins on the first of the month in which you have your first payroll deduction
for premiums. You may apply for enrollment or drop coverage at any time.
1
National Association of Insurance Commissioners (NAIC) Individual Disability Table A (1985).