Long Term Disability Insurance takes a weight off your shoulders. If you experience a covered illness or disability that leaves you unable to work for an extended period of time, Unum Long Term Disability Insurance can pay a monthly benefit of up to 60% of your normal income.
What is the waiting period for long term disability?
In order to qualify for Long-Term Disability (LTD) benefits, you typically must meet the definition of disability for 90 – 180 days before the insurance company will begin paying benefits. This is typically known as the waiting period or elimination period.
What conditions are covered by long term disability?
Some of the medical conditions that may qualify you for long term disability benefits include, but are not limited to:
- Cancer.
- Bi-polar Disorder.
- Crohn’s Disease.
- Chronic Fatigue Syndrome.
- Degenerative Disc Disease.
- Fibromyalgia.
- HIV/AIDS.
- Lupus.
How long will Unum pay long-term disability?
Supplemental Individual Disability Insurance (IDI)
| Short Term* | Long Term | |
|---|---|---|
| Length of possible coverage payments | 9-52 weeks | Benefits paid until retirement age |
| Amount that the benefit can pay | Up to 60% of your monthly income | Up to 60% of your monthly income |
| Portability | Sometimes portable, depending on plan | Portable in most cases |
How does Unum work for long term disability?
File or manage a claim or leave, download forms or update your information by logging in to your account. Register for an account . If you experience a covered illness or disability that leaves you unable to work for an extended period of time, Unum Long Term Disability Insurance can pay a monthly benefit of up to 60% of your normal income.
How long does long term disability insurance last?
Once the elimination period (the number of days that must elapse before you’re eligible for benefit payments) is satisfied and you continue to meet the definition of disability, your Long Term Disability Insurance benefits can extend through the Maximum Benefit Period. Can I keep my coverage if I leave my job?
Who is the underwriter of Unum life insurance?
Underwritten by Unum Life Insurance Company of America, Portland, ME. In New York, underwritten by First Unum Life Insurance Company, New York, NY. This group policy provides disability income insurance only.
How to apply for long term disability insurance?
Long Term Disability Insurance can give you the financial support you need to manage your disability and your household. Already have Unum coverage? File or manage a claim or leave, download forms or update your information by logging in to your account. Register for an account .
