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    • Disability Plans
  • How Does Unum Define Disability?

    You are disabled when Unum determines that: -  you are limited from performing th

  • What additional benefits are included in my disability plan at no additional cost?

    Rehabilitation and Return to Work Program — To encourage individuals to return to

  • What is the benefit percentage for disability insurance?

    The benefit percentage is the percent used to determine the disability benefits p

  • What is an Elimination period for disability insurance?

    A period of consecutive days of disability for which no benefit is payable. The e

  • What does ADEA stand for?

    An important consideration for employers when selecting the maximum period of pay

  • What is the maximum benefit period (ADEA I and ADEA II) for disability insurance?

    The length of time benefits are paid while you are disabled. The maximum benefit

  • What does 2 or 3 years' own occupation mean as it applies to disability insurance?

    For the first 24 or 36 months (as specified by your plan) of a disability, you ar

  • What is the definition of self-reported mental/nervous symptoms for disability insurance?

    Your condition is defined by symptoms that you report to your physician, but are

  • What is the difference between Self and Family Social Security offset for disability insurance?

    Self Social Security Offset: Your gross disability payment will be reduced by the

  • How do I make a claim for short-term or long-term disability and/or premium waiver benefits?

    To file a claim for short-term or long-term disability, you must print and comple

  • I have been approved for long-term disability and have a question about my monthly disability benefit. Whom do I contact?

    Call Unum Customer Care unit at 1-800-858-6843.

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