Unum No Cost & Supplementary Insurance
Life/AD&D and Long-Term Disability (LTD) Insurance
Employees who work 30 or more hours per week are eligible for Basic Life/AD&D insurance administered by UNUM and will receive this coverage at no cost to them.
There is also an option to enroll in a contributory LTD plan with a benefit of 60% of your monthly earnings (up to $6,000 for non-managers).
Basic Life/AD&D
This coverage can provide money for your family if you are diagnosed with a terminal illness. You keep the coverage for a set term (while you are working at Wiss). If you die during that term, the money can help your family pay for basic living expenses, final arrangements, tuition, and more.
Your employer is offering this coverage at no cost to you.
Long Term Disability
LTD can replace part of your income if injury or illness keeps you out of work for a long period of time. Protecting your income when you can’t work is very important!
Your employer is paying a portion of the cost of the coverage (60%). You can use the money however you choose while out on claim.
This insurance may cover a variety of conditions and injuries. Here are UNUM’s top reasons for LTD claims:
- Cancer
- Back disorders
- Injuries
- Cardiovascular
- Joint disorders
LTD Highlight Sheet – Managers/Directors/Members
LTD Highlight Sheet – All Other Employees
Hospital, Accident and Critical Illness Insurance
Hospital Insurance
This coverage provides financial assistance to you and your dependents in case of hospitalization. You can receive the benefits when you are admitted to the hospital for a covered accident, illness, or birth. Review the Unum Hospital Insurance (pdf) for more information on benefits and cost.
Accident Insurance
This coverage helps with out-of-pocket costs that your medical insurance does not cover such as copays and deductibles. You get a set-based amount based on the type of injury you have and treatment you need. Review the Unum Accident Insurance (pdf) for more information on benefits and cost.
Critical Illness Insurance
This coverage provides financial support if you are diagnosed with an illness. You will receive a lump sum payment to use at your discretion. Review the Unum Critical Illness Insurance (pdf) to know more on benefits and cost.
Important!
Please select your beneficiaries and review each year to make sure they remain up to date.
Filing Unum Disability or Leave Claim
To file a claim or leave request:
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Visit login.unum.com or download the MyUnum for Members app from the Apple App Store or Google Play.
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Log in or register for an account.
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Access the How to File a Claim or Leave Request flyer for step-by-step instructions and contact information.
Unum Employee Assistance Program (EAP)
For Employees Enrolled in the Unum LTD Plan
Keeping your work and personal life in balance can be difficult sometimes – through Unum, you have access to a work-life balance EAP. All calls are kept confidential and have no additional cost to you!
You can use the EAP to:
- Locate child care and elder care services
- Speak with financial experts
- Work through complex and sensitive issues
- Get a referral to a local attorney
You also have unlimited website access at www.unum.com/lifebalance where you can:
- Read booklets, life articles, and guides
- View videos and online seminars, as well as listen to podcasts
- Subscribe to email newsletters
- Find information on parenting, retirement, finances, education, and more
- Use online health management tools to help you with weight loss goals and exercise programs