The features of Group Income Protection

Unum's Group Income Protection service includes:

• Minimal Administration as usually all but the highest earners can be covered without providing medical histories.
• Choice over when benefits start as employers choose the length of time before benefits start. The longer the period the lower the premium.
• Choice over amount of benefit paid as employers choose the proportion of their employees' salaries they wish to protect.
• Benefits paid don't penalise relapses because if an employee suffers the same illness within 12 months of returning to work, benefits begin again immediately.
• Benefits that don't discourage work because a returning employee who is only able to work part-time or in a lower paid job will receive benefits proportionate to their drop in salary.
• Help to get employees back to work via Unum's Vocational Rehabilitation and Assessment Centres. Our professional staff devise tailored programmes in a relaxed environment to help claimants return to work.

What does Unum provide?
Who benefits?
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