Disability Income Protection | Voluntary BenefitsUnum Long-Term Disability Income Protection
How It Works
Unum Long-Term Disability Income Protection
Long-Term Disability (LTD) benefits begin after you meet the definition of disability as defined in the policy and satisfy a benefit elimination period of 180 days. You can satisfy your elimination period if you are working, as long as you meet the definition of disability. Your disability will be treated as continuous as long as you do not exceed 30 return-to-work days during the elimination period. After 24 months of payments, you are disabled when Unum determines that due to the same sickness or injury, you are unable to perform the duties of any gainful occupation for which you are reasonably fitted by education, training or experience. Benefits can continue for each period of disability according to the schedule below.
In addition, the LTD minimum monthly benefit is 25% of your gross disability payment. Under no circumstance will a benefit be payable which exceeds 66⅔% of your weekly earnings.
Submitting a claim for LTD
Call Unum at 1-888-857-0157, to request a claim form (Group #23310). The claim form includes everything you will need to submit a claim, including sections for your doctor to complete, and an authorization form that enables Unum to gather additional information as it becomes necessary. Your claim should be submitted within 30 days after the date your disability begins or as soon as possible. However, Unum must receive written proof of your claim no later than 90 days after your elimination period. If this is not possible, proof must be given no later than one year after the time proof is required except in the absence of legal capacity. If you are covered under both the STD and LTD plans it is not necessary to complete a paper LTD Claim form if you are collecting STD benefits and your disability continues into LTD. Unum will transition your claim into LTD, however additional medical documentation may be required.
You can also file STD and LTD claims, check claim status, use the camera on your device to upload documents (medical records, claim forms, authorization forms, etc.), and more with the Unum mobile app.
Long-Term Disability Monthly Rates
|If Your Gross Annual Is At Least:||You are eligible for a monthly disability benefit of:||20 PAY|
Benefits will NOT be paid for disabilities resulting from:
- Intentionally self-inflicted injuries
- War, declared or undeclared, or any act of war or active participation in a riot
- The commission of a crime for which you have been convicted under state or federal law
- Pre-existing condition
- The loss of a professional license or certification
In addition, benefits will not be paid for a disability if you are not receiving regular in-person medical treatment from a legally qualified physician during the period of disability or if the disability is not certified by a legally qualified physician.
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