Unum’s Group Disability & Supplemental Benefits: Safeguarding Your Workforce Beyond Basic Coverage

1. Why Unum’s Group Disability Coverage Matters

When an employee faces a serious illness or injury, unum’s group disability plans serve as a financial lifeline:

• Income Continuity: Short- and long-term disability benefits replace a portion of lost wages—typically 60% of pre-disability earnings—helping employees cover everyday expenses.
• Employer Cost Share Options: Companies can choose to fully or partially subsidize premiums, demonstrating commitment to employee well-being and boosting morale.
• Guaranteed Issue: No medical underwriting for enrollment during initial eligibility—maximizing participation and protecting employees who might otherwise be uninsurable.

Benefit: Reduces turnover and absenteeism by ensuring staff feel secure that their income stream won’t vanish if they must take extended leave.

2. Integrated Life & AD&D Solutions

Beyond disability, unum delivers life and accidental-death-and-dismemberment (AD&D) coverage that integrates seamlessly:

• Basic Life Coverage: Employers can offer a base life insurance benefit—often 1–2× annual salary—at group rates, with optional supplemental coverage employees purchase at competitive rates.
• AD&D Riders: Provide additional financial protection in the event of an accidental death or severe injury, with lump-sum benefits for qualifying losses (amputations, paralysis, loss of sight).
• Portability & Voluntary Elections: Employees can take certain coverages with them upon separation or elect additional voluntary amounts, preserving protection through life transitions.

Benefit: Creates a cohesive benefit ecosystem where disability income, life protection, and AD&D support complement one another for total workforce security.

3. Supplemental Benefits for Today’s Workforce

To address gaps in out-of-pocket costs, unum offers a suite of voluntary benefits:

• Critical-Illness Insurance: Pays a lump-sum upon diagnosis of covered conditions (cancer, stroke, heart attack), enabling employees to cover deductibles, experimental treatments, or household bills.
• Hospital-Indemnity Plans: Provide daily cash payments for hospital stays, helping with co-pays, transportation, and caregiving expenses.
• Legal & Identity-Theft Services: Bundled offerings help employees navigate legal matters and recover from cyber-fraud—protecting family finances and personal data.

Benefit: Supplemental plans are payroll-deducted, requiring no health questions, and empower employees to customize their protection to match personal needs.

4. Unum’s Holistic Case Management & Return-to-Work Support

unum differentiates itself through “beyond-the-check” services:

• Proactive Case Managers: Dedicated specialists partner with employees and employers to coordinate care—connecting claimants to vocational rehabilitation, mental-health counseling, and community resources.
• Return-to-Work Programs: Customized plans facilitate modified duties and phased returns, reducing long-term disability durations and preserving institutional knowledge.
• Data-Driven Outcomes: Unum’s analytics measure recovery times, identify high-risk populations, and refine wellness initiatives to drive better health and cost metrics.

Benefit: Employers see reduced claim costs and faster reintegration of valuable talent, while employees gain confidence through guided support.

5. Seamless Administration & Compliance Ease

Managing benefits across HR, payroll, and compliance requires a reliable partner—unum delivers:

• Integrated Enrollment Systems: APIs connect Unum’s platform to popular HRIS and payroll systems, eliminating manual data entry and ensuring census accuracy.
• Regulatory Guidance: Unum’s legal experts help navigate FMLA, ADA, and state-mandated disability laws, reducing employer liability.
• Centralized Reporting: Comprehensive dashboards track participation, claims experience, and return-to-work success—all in real time.

Benefit: HR teams save administrative hours and maintain compliance confidence, while leadership gains transparent insight into workforce risk.