Who benefits from the Personal Income Replacement Plan

For individuals and their families, Unum's Personal Income Replacement Plan provides the following benefits:

• Financial security if illness or injury results in absence from work and a loss of income.
• Regular benefit payments which are received tax-free and are in addition to State Benefits.
• No need to rely solely on State Incapacity Benefits which have become increasingly insubstantial and difficult to claim.
• No need to use up life-time savings when existing income is threatened.
• Access to specialist medical advice and guidance increasing the chance of a full return to work.

What does Unum provide?
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