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LAST UPDATED: December 15th, 2020

Unum specializes in providing disability insurance to employees through employers. It offers customizable short- and long-term disability insurance coverage.

Unum stands out for its Individual Disability Insurance product that provides a supplemental benefit in addition to the monthly benefit from long term disability.

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The Good

  • Group Short-Term Disability
  • Group Long-Term Disability
  • Individual Disability Insurance

Group Short-Term Disability

Unum's short-term disability plan provides benefits as high as 60 percent of an employee's earnings for 9 to 12 weeks.

Unum's short-term disability plan provides coverage for several kinds of injury- and illness-related disability. It also provides coverage for pregnancy.

Group Long-Term Disability

Unum's long-term disability insurance policy provides coverage until retirement. Like Unum's short-term disability policy, it pays as much as 60 percent of an employee's wages.

Individual Disability Insurance

Individual Disability Insurance supplements Unum's long-term disability insurance to provide a combined higher benefit overall. This supplemental insurance is targeted for employees who have high earnings or earn commission.

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The Bad

  • Limited Online Information
  • Group Disability Insurance Only
  • Insufficient Customer Reviews

Limited Online Information

Unum does not provide cost information online. For most specific information on the customizable features and premium costs, interested employers should contact Unum directly. Unum also has an online form that interested employers can fill out to request further information.

Unum also does not provide specific information regarding elimination periods. This is one of the customizable features, so employers should also contact Unum directly for more information.

Group Disability Insurance Only

Unum does not offer disability insurance policies that individuals can buy for themselves. If you're looking for your own disability coverage, you'll need to find another disability insurance company.

Insufficient Customer Reviews

Best Company has not received many Unum disability insurance reviews. Because of this lack of reviews, general conclusions about customer satisfaction and the Unum customer experience are not available.

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The Bottom Line

Although more customer insight is necessary, Unum coverage is worth looking into if you are an employer interested in a customizable disability insurance plan to include in your employee benefits.

Unum does not provide very much specific information on its website about its products. Part of this is because its policies are customizable for employers.

The maximum percentage of salary offered as a benefit is competitive with the industry, but is on the lower end.

Unum insurance may be an especially good option for disability benefits if your employees earn commission or have high salaries because of its Individual Disability Insurance offering.

If you're buying your own coverage, you'll need to find another disability insurer.

View Best Disability Insurance Companies

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