Who benefits from Group Income Protection?

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.

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Last Updated:09 August 2007

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