The features of Capital Option

Unum's Capital Option includes:

• Choice over level of benefit and lump sum to be received by the employee
• Choice over when benefits start and for how long replacement income is paid
• Ability to choose which staff are covered. Employers can include all employees or specific categories such as those of a certain grade
• Opportunity to protect Associated Business Costs e.g. Pension and National Insurance contributions as well as employee's salary

What does Unum provide?
Who benefits?
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