For employees, Unum's Group Income Protection, provides the following benefits:
- Their flow of income is protected if they are unable to work because of long-term illness or injury.
- Financial security for themselves and their dependants.
- There is 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.
- Our unique Vocational rehabilitation is available, recognising that people wish to return to their normal lives as soon as possible.
- Medical advice from our internal team of specialists is included in many instances.
- Claimants receive uninterrupted employment by remaining on the payroll and continue to accrue service related benefits (e.g. pensions).
The benefits for employers are clear:
- The cost of long-term staff absence through illness or injury can be reduced and predicted more accurately. See our cost of absence calculator to see how sickness can affect your business.
- Employers can continue to pay employees a proportion of salary beyond the expiry date of Statutory Sick Pay requirements as this is covered by the policy.
- Employers can continue to pay pension contributions as these can be covered by the policy.
- Unum provides rehabilitation thereby lowering the chances of permanent absence or early retirement and staff shortage.
- Unum can help employers adhere to the Disability Discrimination Act by working together to assist a disabled employee's return to work.
- Employers can offer employees an attractive benefits package that helps to attract and retain the right calibre of staff.
What does Unum provide?
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