Capital Option enables employers to protect their employees and their dependants should they be unable to work due to long-term illness or injury. The policy aims to give employees a better chance of making a full recovery and returning to work. There is also financial assistance for both employer and employee should early retirement prove a necessary final step.
In the event of long-term illness or injury, the policy provides:
- A monthly replacement income for the employee for up to five years.
- Access for the employee to Unum's unique specialist rehabilitation opportunities.
- A lump sum payment should the employee ultimately be unable to return to work.
The cover pays employers a percentage of the absent employee's earnings. Cover can start when the employer's short-term sick pay provision ends and can continue for two, three or five years.
Capital Option maintains Unum's commitment to active vocational rehabilitation. As an integral part of the package, our medical expertise and unique rehabilitation teams aim to assist in a sustainable return to work whenever possible.
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