For employees, Unum's Capital Option enables their employer 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 unique vocational rehabilitation services, recognising that people wish to return to their normal lives as soon as possible.
- Continuing contact with employer and colleagues by remaining on the payroll.
- A lump sum to enhance an early retirement pension should a return to work not be possible.
For employers, Unum's Capital Option 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.
- Chances of successful rehabilitation increased raising the prospect of retaining the services of valued employees.
- Ability to continue making pension and National Insurance contributions and to provide other employee benefits, the costs of which can be covered by the policy.
- Opportunity to release employees from payroll if a return to work is not possible.
- Support for employer and management team in reintegrating employee to workplace.
- Support in adhering to Disability Discrimination Act by assisting a disabled employee's return to work.
- Provides an attractive benefits package helping to recruit and retain high calibre staff.
What does Unum provide?
The features
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