Disability Plan FAQ's
EOI is not required to enroll for coverage.
New or increased coverage is subject to a pre-existing condition exclusion for the first 12 months after your effective date of coverage. You have a pre-existing condition if, in the three months prior to your effective date of coverage, you received medical treatment, consultation, care or services (including diagnostic measures) or took prescribed drugs or medicines for a sickness or loss.
Unum uses the following process to figure your payment:
- Multiply your monthly earnings by the benefit percentage elected.
- Compare the answer from step 1 with the maximum monthly benefit ($8,000). The lesser of these two amounts is your gross disability payment.
- Subtract any deductible sources of income from your gross disability payment.
The resulting amount is your monthly disability payment.
You stop receiving payments on the earliest of the following:
- During the first 24 months of payment when you’re able to work in your own occupation (see definition below) on a part-time basis but do not
- After 24 months of payment when you’re able to work in any occupation (see definition below) on a part-time basis but do not
- After 12 months of payment if you reside outside the U.S. or Canada for six months or more during any 12 consecutive months of benefits
- The end of the maximum period of payment
- The date you’re no longer disabled under the terms of the plan (unless you’re eligible to receive benefits under Unum’s Rehabilitation and Return to Work assistance program)
- The date your disability earnings exceed the amount allowable under the plan
- In the event of your death
- The date you fail to submit proof of continuing disability
For the first 24 months of payment, you’re considered disabled if, as a result of physical disease, injury, pregnancy or mental disorder, you’re unable to perform the material duties of your regular occupation and suffer an earnings loss of at least 20% of your indexed pre-disability earnings when working in your regular occupation. You’re not considered disabled during this period because of a loss of license or something similar that restricts your right to perform your occupation.
Your plan doesn’t cover any disabilities caused by, contributed to by, or resulting from your:
- Intentionally self-inflicted injuries
- Active participation in a riot
- Loss of a professional license, occupational license or certification
- Attempt to commit or commission of a crime
- Commission of a crime for which you’ve been convicted
- Pre-existing condition
- Disability due to war, declared or undeclared, or any act of war
Unum does not pay a benefit for any period of disability during which you’re incarcerated.