UNUM Long-Term Disability
UNUM Long-Term Disability is designed to protect your income should you become medically unable to work. Upon claim approval, non-taxable benefit payments begin after 90 days of total disability. It is not available to VSDP participants. The plan is available through payroll deduction, so the enrollment period may vary.
When considering this coverage, ask yourself two questions:
- Is my sick leave balance sufficient to cover me in the event of a disabling illness or injury?
- Could my family survive financially if I stopped getting a paycheck?
If your answer to either question is no, UNUM Long-Term Disability is worth further deliberation.
You may purchase 25%, 40%, or up to 50% coverage of basic monthly earnings to a maximum benefit of $5,000 per month. There are no offsets for Social Security, Workers Compensation, Retirement Plans, or individual LTD plans. Benefits are payable up to the age of 65.