Personal and family life involves taking on some serious financial commitments. A new mortgage, children's education and home improvements can all make maintaining a constant income a vital necessity.
But what if illness or injury threatened your ability to earn a living?
In the UK:
- there are over 2.6 million people unable to work due to incapacity and claiming State benefits*
- 74% of these claimants have been in receipt of these benefits for 2 years or more *
Unum's Primary Income Replacement Plan is designed to ensure that an individual's top priority financial commitments can be met should illness or injury make them unable to work.
Primary Income Replacement provides financial security through regular benefit payments. The plan also recognises the desire to return to a full, working life as soon as possible by allowing access to Unum's unique Vocational Rehabilitation Services.
These pages provide an overview of our Primary Income Replacement Plan. You’ll find more information about the product,how it works and how it helps to protect an individual's most important financial commitments.
What does Unum provide?
The features
Who benefits?
Getting further advice
Further information can be found in our Primary Income Replacement Literature section, including Forms.
* Source: Department of Work & Pensions. Combined Employment & Support Allowance/ Long Term State Incapacity Benefit Claimants, Aug, 2009.