Disability Insurance UNUM
EMPLOYEE BENEFITS
ABOUT DISABILITY Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time.
For full plan details, please visit your benefit website: www.mybenefitshub.com/brownfieldisd
As long as you continue to meet the definition of disability, you may receive benefits for 12 weeks. When would I be considered disabled? You are disabled when Unum determines that due to your sickness or injury: • you are limited from perform the material and substantial Who is eligible? duties of your regular occupation; and You are eligible for Short Term Disability (STD) coverage if you are • you have a 20% or more loss in weekly earnings due to the an active employee in the United States working a minimum of same sickness or injury. 20 hours per week. You must be under the regular care of a physician in order to be How can I apply for coverage? considered disabled. To apply for coverage, complete your enrollment form by *Unless the policy specifies otherwise, as part of the disability 9/1/2022. If you were hired after 9/1/2022, check with your plan claims evaluation process, Unum will evaluate your occupation administrator for your eligibility date, and complete your based on how it is normally preformed in the national economy, enrollment form within 31 days of that date. not how work is performed for a specific employer, at a specific What if I am out of work when insurance goes into effect? location, or in a specific region. Insurance will be delayed if you are not in active employment Can my benefit be reduced? because of an injury, sickness, temporary layoff, or leave of Your disability benefit may be reduced by deductible sources of absence on the date that insurance would otherwise become income and any earnings you have while disabled. Deductible effective. sources of income may include such items as disability income or What is my weekly benefit amount? other amounts you receive or are entitled to receive under: If you meet the definition of disability, you could receive a weekly workers’ compensation or similar occupational benefit laws; state benefit equal to 70% of your weekly earnings, to a maximum of compulsory benefit laws; automobile liability and no fault $1,500 per week. insurance; legal judgments and settlements; certain retirement What is considered a pre-existing condition? plans; salary continuation or sick leave plans; other group or You have a pre-existing condition if: association disability programs or insurance; and amounts you or • You received medical treatment, consultation, care or your family receive or are entitled to receive from Social Security services including diagnostic measures, or took prescribed or similar governmental programs. drugs or medicines in the 3 months just prior to your When does my coverage end? effective date of coverage; and Your coverage under the policy ends on the earliest of: • The disability begins in the first 12 months after your • The date the policy or plan is cancelled; effective date of coverage. • The date you no longer are in an eligible group; How long do I have to wait to receive benefits? • The date your eligible group is no longer covered; The elimination period is the length of time you must be • The last day of the period for which you made any required continuously disabled before you can receive benefits. If your contributions; disability is the result of a covered injury or sickness, you could • The last day you are in active employment except as begin receiving benefits after 10 days. provided under the covered layoff or leave of absence How long will my benefits last? provision. Disability - per $100 in benefit 45% $1.88 55% $2.05 65% $2.60
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