Unum employee benefits
Unum is a leading provider of employee benefits solutions for groups with 2 or more lives, specializing in a wide variety of financial protection and benefits. Their offerings include guaranteed issue Life, Disability, Dental, Vision, and supplemental plans such as Accident, Critical Illness, and Hospital Indemnity. Unum is committed to providing comprehensive support for you and your groups, as well as access to affordable benefits.
Unum’s focus on providing a diverse range of financial protection and benefits products demonstrates its dedication to supporting employees and their families during various life events. By offering comprehensive support and access to affordable benefits, Unum helps employers create a competitive and attractive benefits package that can improve employee satisfaction, retention, and overall well-being.
In addition to its product offerings, Unum is dedicated to providing exceptional customer service and support for employers and employees. This commitment ensures that employees have access to the resources and assistance they need to make informed decisions about their benefits and financial protection. By partnering with Unum, employers can offer a robust benefits package that meets the diverse needs of their workforce and demonstrates their commitment to employee well-being.
Unum Group Life Insurance
Unum offers group life insurance policies that provide financial protection for employees’ loved ones in the event of their passing. They offer two main types of life insurance plans: Term Life and Whole Life. Term Life insurance provides financial protection for employees and their families during their working years, while Whole Life insurance offers coverage that employees can keep into retirement, with competitive rates when purchased early. These life insurance policies can help employees’ families cover funeral costs, day-to-day expenses, bills, and other expenditures in the event of the employee’s death.
Unum is committed to making the claims process easy for employees and their beneficiaries. Claims are managed by knowledgeable professionals who have received bereavement training, and Unum aims to make a life-claim determination within five business days of receiving complete information. Additionally, Unum Group Life Insurance includes Life Planning Financial & Legal Resources, which can help employees and their families navigate personal, legal, and financial decisions during difficult times.
Unum Group Disability Insurance
Unum provides both short-term and long-term disability insurance options to help employees maintain their financial stability during periods of illness or injury.
**Short-term disability coverage**: Unum’s short-term disability insurance offers income protection for employees who are unable to work for a limited period due to a covered injury or illness. The length of possible coverage payments typically ranges from 9 to 52 weeks, and the benefit can pay up to 60% of the employee’s monthly income.
**Long-term disability coverage**: Unum’s long-term disability insurance provides financial support for employees who are unable to work for an extended period due to a covered disability. The benefits are usually payable after a 90-day elimination period. The monthly benefit is calculated as 66 2/3% of the employee’s monthly gross salary, reduced by other forms of income, up to a maximum of $5,000 per month. For disabilities occurring before age 60, benefits will be paid until age 65; if the disability occurs at age 60 or older, benefits will be payable for 12 to 60 months, depending on the age when the disability occurs.
Filing a claim or leave with Unum can be done online or by phone. Unum aims to make an initial decision on a short-term disability claim within five business days after receiving complete information, including a completed Employee Statement form, a completed Employer Statement form, a completed Attending Physician Statement form, and a signed Medical Authorization form. Unum’s long-term disability insurance can pay a percentage of the employee’s gross monthly earnings (up to the maximum allowed by the plan) if the employee becomes ill or injured and cannot work.
Unum group Dental Insurance
Unum’s dental insurance covers routine care such as cleanings and exams, as well as more costly dental work like crowns and bridges. Their dental plans are designed to help reduce out-of-pocket expenses for employees and make oral health care more affordable. By offering dental insurance, Unum helps employees maintain good oral health, which can contribute to their overall well-being.
Unum’s dental insurance plans are available for groups with 2 or more lives, making them suitable for small businesses and larger organizations alike. Their dental plans are designed to be flexible and can be customized to meet the specific needs of your workforce. Unum’s dental insurance is part of its comprehensive employee benefits package, which also includes life, disability, vision, and supplemental plans such as accident, critical illness, and hospital indemnity.
In addition to providing coverage for dental care, Unum is committed to offering comprehensive support for you and your groups, as well as access to affordable benefits. This includes a broad provider network, online access to coverage information, claim history, and more through their secure member portal. By partnering with Unum, employers can offer a robust benefits package that meets the diverse needs of their workforce and demonstrates their commitment to employee well-being.
Unum Group Vision Insurance
Unum’s vision insurance plans typically cover eye exams, eyeglass lenses and frames, and contact lenses, offering flexible plan designs and comprehensive national provider networks. Their vision plans are designed to make eye care more accessible and affordable for employees, helping them maintain good eye health and overall well-being.
Unum’s vision insurance is available for groups with 2 or more lives, making it suitable for small businesses and larger organizations alike. Their vision plans can be customized to meet the specific needs of your workforce. Unum’s vision insurance is part of its comprehensive employee benefits package, which also includes life, disability, dental, and supplemental plans such as accident, critical illness, and hospital indemnity.
In addition to providing coverage for vision care, Unum is committed to offering comprehensive support for you and your groups, as well as access to affordable benefits. This includes a broad provider network, online access to coverage information, claim history, and more through their secure member portal. By partnering with Unum, employers can offer a robust benefits package that meets the diverse needs of their workforce and demonstrates their commitment to employee well-being.
Unum Group Critical Illness Insurance
Unum’s critical illness insurance offers financial protection for employees during life-changing events, supplementing their health insurance coverage. This insurance provides a lump-sum benefit to employees who are diagnosed with one of several covered critical illnesses, such as stroke, cancer, or heart attack. The benefit can be used to help pay for deductibles, co-pays, co-insurance, diagnostic tests, transportation, childcare, or any other expenses the employee chooses.
By offering critical illness insurance, Unum helps employees and their families manage the financial impact of serious illnesses, allowing them to focus on healing and recovery. This coverage is a valuable addition to an employee benefits package, as it provides financial support during challenging times and demonstrates an employer’s commitment to employee well-being.
Unum’s critical illness insurance is available for groups with 2 or more lives, making it suitable for small businesses and larger organizations alike. To file a claim for critical illness benefits, employees can use Unum’s online system or call their dedicated phone line. Unum is committed to providing comprehensive support for employees and their families, making the claims process as smooth and efficient as possible.
Unum Group Accident Insurance
Unum’s accident insurance provides financial support for employees who experience an accident, injury, or illness, helping to cover expenses such as X-rays, hospital stays, or prescription drugs. This insurance is designed to supplement employees’ existing health insurance coverage, offering additional financial protection in the event of an accident.
Unum’s accident insurance offers a range of benefits, with the amount paid based on the type of injury and the treatment required. The coverage applies to accidents that occur both on and off the job, and it includes a variety of incidents, from common injuries to more serious events.
To file a claim for accident insurance benefits, employees can use Unum’s online system or call their dedicated phone line. Unum is committed to providing comprehensive support for employees and their families, making the claims process as smooth and efficient as possible. By offering accident insurance as part of an employee benefits package, employers can help their employees manage the financial impact of accidents and demonstrate their commitment to employee well-being..
Hospital Indemnity Insurance
Unum’s hospital indemnity insurance offers supplemental coverage to major medical plans, providing a lump-sum benefit to help employees pay for expenses related to hospital stays. This coverage is designed to complement employees’ existing health insurance, offering additional financial protection in the event of a hospitalization.
Hospital indemnity insurance can help employees cover out-of-pocket expenses that their medical insurance may not cover, such as deductibles, co-pays, and co-insurance. By offering hospital indemnity insurance as part of an employee benefits package, employers can help their employees manage the financial impact of hospital stays and demonstrate their commitment to employee well-being.
Unum’s hospital indemnity insurance is available for groups with 2 or more lives, making it suitable for small businesses and larger organizations alike. To file a claim for hospital indemnity benefits, employees can use Unum’s online system or call their dedicated phone line. Unum is committed to providing comprehensive support for employees and their families, making the claims process as smooth and efficient as possible.
comparison table of the insurance companies comparable to Unum employee benefits:
| Company | Key Offerings | Special Features |
|---|---|---|
| Unum | Disability, life, accident, critical illness, dental, vision insurance | Strong focus on disability and supplemental benefits |
| Allstate Benefits | Disability, accident, critical illness insurance | Wide range of voluntary benefits |
| Aflac | Supplemental insurance for out-of-pocket expenses | Pays cash benefits directly to policyholders |
| Colonial Life | Disability, accident, life, critical illness insurance | Focus on supplemental benefits for employees |
| Lincoln Financial Group | Life, disability, dental, vision insurance | Comprehensive employee benefits |
| MetLife | Life, dental, disability, vision insurance | Extensive coverage options |
| Voya Financial | Life, disability, critical illness insurance | Diverse range of employee benefits |
| MassMutual | Disability insurance, retirement benefits | Customizable disability insurance policies |
| Mutual of Omaha | Disability insurance | High monthly benefits |
| Guardian | Life, disability, dental, vision insurance | Large coverage area |
| Northwestern Mutual | Long-term disability insurance | High customer satisfaction |
| Principal Financial Group | Long-term disability benefits, return-to-work resources | Comprehensive long-term disability benefits |
frequently asked questions (FAQs) related to Unum employee benefits
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed