The features of Dual Benefit

Unum's Dual Benefit includes:

• Ability to choose which employees are covered. Employers can include all staff or specific categories, such as those of a certain grade
• Opportunity to protect business costs associated with an employees long term absence e.g. Pension and National Insurance contributions, group life premiums as well as an employee's salary
• A choice over how long income benefit is paid, from a limited 2, 3, 4 or 5 year period up to a maximum Terminal Age of 70 
• Choice of incapacity definitions including Generic and Combination Cover
• Serious illness benefit of 2 x salary
• Unique short deferred periods of 4 and 8 weeks in addition to the standard 13 or 26 week periods.
• Option of Pay Direct if an employee leaves service.

What does it provide?
Who benefits?
Getting further advice