For Employees of the Offices of the State Attorneys, Public Defenders, Justice Administrative Commission, Capital Collateral Regional Counsels, and Guardian Ad Litem.

 Voluntary Individual Disability Insurance
offered by Life Solutions, P.A.

Apply anytime!

Scroll down the page for plan information.

Click on the Form Library below to download an application. Fax to our office when complete (321-206-7963). Call 877-652-0221 (toll free) or
click here for rate quote.

Need a form? Get it here! Select the form from the menu below then click the Retrieve button. Files are in PDF format and require Adobe's Acrobat Reader. If you don't have it, you can download it here for free.


Unum Income II Select

 Disability Income Protection Insurance
Eligibility You are eligible to apply for coverage if you are a full-time active employee working 30 or more hours per week.
Premium Your premium will remain the same until age 65. You will receive a 20% premium discount and have the convenience of payroll deduction by purchasing your coverage through your workplace.
Individually Owned You can take the coverage with you if you change jobs (you would retain the 20% premium discount).
Medical Evaluation Medical history and other factors will be taken into consideration when determining your eligibility for coverage.
Elimination Period The elimination period is the number of days that must elapse in a Disability period before benefits become payable. These days need not be consecutive. You can choose to have your benefits begin after an elimination period of 60, 90, 180, or 365 days of disability.
Benefit Amount Monthly disability benefit: Your choice in $100 increments to approximately 60% of your salary.

"Basic monthly earnings" means the insured's monthly rate of earnings from the employer in effect just prior to the application date. It does not include commissions, bonuses, overtime pay and other extra compensation.

A Catastrophic Disability Benefit can be added to your income benefit to replace up to 100% of your prior income (not to exceed $8,000 per month). Call for details.

Benefit Integration Your disability benefit will not be reduced by Social Security or other income replacement benefits you receive for the same disability.
Benefit Duration You can choose how long you would like for disability benefits to be paid; 2 years, 3 years, 5 years, To age 65, or To age 67.
Definition of Disability You would be considered disabled and eligible for disability benefits if, because of covered injury or sickness:
  • you cannot perform each of the material duties of your regular occupation, and
  • after benefits have been paid for 24 months, you cannot perform each of the material duties of any gainful occupation for which you are reasonably fitted by education, training or experience.
Gainful Occupation Gainful occupation means any  occupation for which you are suited based on education, training, or experience, and can be expected to provide you with an income of at least 60% of your prior earnings; and are under the care of a physician. If you can return to any occupation but do not do so, a monthly income benefit of 50% is payable for up to the remainder of the benefit period.
Taxation Under current tax laws your disability insurance benefit will not be taxed because you are paying for the coverage with post-tax dollars.
Instances When Benefits Would Not Be Paid Benefits will not be paid for disabilities caused by, contributed to by, or resulting from:
• intentionally self-inflicted injuries;
• active participation in a riot;
• war, declared or undeclared, or any act of   war;
• undisclosed pre-existing conditions (see definition below).

Unum will not pay benefits for any period of disability during which you are incarcerated.
Pre-existing Condition During the first two years from the Effective Date benefits will not be paid for a disability caused by a Pre-existing condition that was not diclosed, or that was misrepresented, in answer to a question on the application for this policy. Pre-existing condition means a sickness or physical condition for which within the two-year period prior to the Effective Date: 1) symptoms existed that would cause an ordinarily prudent person to seek advice or treatment from a Physician; or 2) advice or treatment was recommended by or received from a Physician.
Mental and Nervous Benefits LTD benefits would be paid for 24 months per lifetime for disabilities caused by mental illness that meet the definition of disability. Mental and nervous benefits would continue beyond 24 months only if you are institutionalized or hospitalized as a result of the disability.
Waiver of Premium You will not be required to pay premiums as long as you are receiving benefits.
Non-Cancellable Policy This a non-cancellable policy.  The Company cannot make changes to your policy or change your premium prior to age 65, nor can the policy be cancelled as long as you pay your premiums on a timely basis.

This plan highlight summary is provided to help you understand your insurance coverage from Unum. If the terms of this plan highlight summary and the policy differ, the policy will govern.

This policy has exclusions and limitations which may affect any benefits payable.

Unum Legal and Privacy Notices

Updated March 2007

Underwritten by the following Unum Group subsidiary:
Provident Life and Accident Insurance Company
1 Fountain Square
Chattanooga, TN 37402

©2007 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of the Unum Group and its insuring subsidiaries.

CWS-6

Disclaimer: This is not intended to be a complete description of Unum's Disability Insurance policy, and is presented for informational purposes only. Policy terms will control all benefit descriptions. Please refer to Your Plan page on this website for limitations and exclusions which may affect any benefits payable.