For employers, Unum's Dual Benefit provides the following benefits:
- Cost of long-term staff sickness absence can be reduced and predicted more accurately. See our Cost of Absence calculator to see how sickness can affect your business
- Additional monthly finance to help the business cope with the loss of an employee, e.g. for recruiting temporary replacement staff, if the employee remains in service
- Chances of successful rehabilitation increased, raising the prospect of retaining the services of valued employees
- Ability to continue making pension contributions which can be covered by the policy
- Opportunity to release employees from payroll under the Pay Direct option if a return to work is not possible
- Support for employer and management team in reintegrating employees to the workplace
- Guidance and information on reasonable workplace adjustments that may be needed, supporting employers in their compliance with the Disability Discrimination Act (DDA)
- Provides an attractive benefits package helping to recruit and retain high calibre staff
- Freedom from long-term liability associated with traditional Group Income Protection.
For employees, Unum's Dual Benefit enables their employers to provide the following benefits:
- Financial security when they are unable to work because of long-term illness or injury.
- No need to rely on State Incapacity Benefits which have become increasingly insubstantial and difficult to claim if individuals are capable of doing any job whatsoever.
- Access to our in-house vocational rehabilitation services, to help them make a safe and timely return to work
- Continuing contact with employer and colleagues by remaining on the payroll.
- A serious illness benefit that pays a lump sum of up £120,000 on the expiry of the income benefit period if the employee remains incapacitated from one of the serious illness conditions listed in the policy.
What does it provide?
The features
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