Guaranteed Issue (no health questions) if you enroll within 60 days of hire date, or during open enrollment.
(Age and premiums calculated for plan year 2018.)
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|Plan# 24035||Long Term Disability (LTD) Insurance|
|Eligibility||You are eligible for LTD coverage if you are a full-time active employee working 20 or more hours per week.|
|Guaranteed Issue||If you enroll during your initial enrollment period, or during a specified re-enrollment period, coverage is available to you without answering any medical questions or providing evidence of insurability. If you enroll after your initial enrollment period and not during a specified re-enrollment period, your coverage will be medically underwritten, and you will be required to qualify based on information you provide regarding your health history. Re-enrollments are conducted biennially.|
|Elimination Period||The Elimination Period is the length of time of continuous disability which must be satisfied before you are eligible to receive benefits.|
LTD benefits would begin after 90 consecutive days of total disability, as described in the definition below. If you attempt to return to work within the 90 day elimination period for a period of 30 days or less and go back out on disability, for the same disability, your elimination period will be cumulative.
|Benefit Amount||Monthly LTD Benefit:|
|Benefit Integration||Your LTD benefit will not be reduced by other income replacement benefits you receive for the same disability.|
|Benefit Duration||Your duration of benefits is based on your age when the disability occurs. Your LTD benefits are payable for the period during which you continue to meet the definition of disability up to age 65. If disability occurs from age 60 - 64 benefits are payable for 5 years, ages 65-69 until age 70 (but not less than one year), age 70 and over, for 1 year.|
|Premium||Monthly premium is based on age and salary. At the beginning of each plan year (Jan. 1) the premium is adjusted for salary increases (as your salary increases so does your monthly benefit). Every 5 years, on ages ending in 0 or 5, premium is adjusted for age (click on "Rate Calculation" link to see rate chart). This adjustment is also made at the beginning of the plan year. Premiums are paid through payroll deduction each month and continue as long as your coverage remains in force. Once enrolled, coverage continues from year to year with no further action on your part until terminated (see section on "Termination of Coverage" below).|
|Definition of Disability||You would be considered disabled and eligible for LTD benefits if, because of covered injury or sickness:|
|Gainful Occupation||Gainful occupation means an occupation that is, or can be expected to provide you with an income of, at least 60% of your indexed monthly earnings within 12 months of your return to work.|
|Taxation||Under current tax laws your LTD 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: |
|Pre-existing Condition Exclusion||A pre-existing condition is a sickness or injury for which you received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the 6 months prior to your effective date of coverage.|
If you suffer a disability caused by, contributed to by, or resulting from a pre-existing condition and it begins in the first 12 months after your effective date, that disability would not be covered by this policy.
|Mental and Nervous||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.|
|General Exclusions||This summary of benefits does not cover any disability due to:|
|Waiver of Premium||You will not be required to pay LTD premiums as long as you are receiving LTD benefits.|
|Delayed Effective Date||This insurance coverage will be delayed if you are not in active employment because of injury, sickness, temporary layoff, or leave of absence on the date that this insurance would otherwise become effective.|
|Termination of Coverage||Your coverage under the policy ends on the earliest of the following: |
|assist america®||If you or your family travel more than 100 miles from home or in a foreign country, for business or pleasure, assist america's global network of professionals will provide a full range of emergency services, 24 hours-a-day, 365 days-a-year. Some of these include: medical consultation and evaluation by Western-trained, English-speaking physicians, hospital admission guarantee, emergency prescription services, legal services and lost luggage assistance. (Note that spouses traveling on business are not eligible.)|
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.
The policy has exclusions and limitations which may affect any benefits payable.
Updated September 2014
Underwritten by the following subsidiary of the Unum Group:
Unum Life Insurance Company of America
2211 Congress Street
Portland, Maine 04122
©2014 Unum Group. All rights reserved. Unum is the marketing brand of Unum Group's insuring subsidiaries.
Disclaimer: This is not intended to be a complete description of Unum Group's Long Term Disability Income Protection 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.