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.
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.
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 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.
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.
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.
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.