For Employees
Long-Term Disability insurance for Florida State Courts System Employees other than Judges
PLAN 24033 - WHAT IS THE BREAKDOWN?
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 biannually.
Monthly LTD Benefit:
choice of 25, 40, or 50% of your basic monthly earnings
to a maximum of $5,000
“Basic monthly earnings” means the insured’s monthly rate of earnings from the employer in effect just prior to the date disability begins. It does not include commissions, bonuses, overtime pay and other extra compensation.
Under current tax laws your LTD benefit will not be taxed because you are paying for the coverage with post-tax dollars.
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;
pre-existing conditions (see definition below).
UnumProvident will not pay benefits for any period of disability during which you are incarcerated.
This summary of benefits does not cover any disability due to:
war, declared or undeclared, or any act of war;
intentionally self-inflicted injuries;
active participation in a riot.
Your coverage under the policy ends on the earliest of the following:
the date the policy or plan is canceled;
the date you no longer are in an eligible class;
the date your eligible class is no longer covered;
the last day of the period for which you made any required contributions;
the last day you are in active employment except as provided under the covered layoff or leave of absence provision.
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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.
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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.