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UNUM's Long Term and Short Term Disability Income Protection Insurance replace a portion of your income if you are unable to work due to an injury or sickness. This means you can have money coming in when you and your family need it most. In today's fast paced society, one is likely to suffer a disability that could hamper his or her ability to earn a living. Through the university, you are offered short term and long term disability at a reasonable rate that could be beneficial in the event you become disabled.

Long Term Disability

You are eligible for long-term disability if you are a full-time active employee working a minimum of 30 hours per week. Monthly long term disability benefits are provided at 60% of your basic monthly earnings not to exceed $5,000.00. Long term coverage can be payable up to the age of 65, but not less than 5 years.

Short Term Disability

You are eligible for short-term disability if you are a full-time active employee working a minimum of 20 hours or more per week. Benefits are provided at 60% of your basic weekly earnings, to a maximum of $500.00 per week. Benefits are payable up to 13 weeks.

UNUM Life Insurance

UNUM provides life insurance coverage for your beneficiary(ies) by paying a benefit in the event of your demise. The amount of benefit is made available up to $500,000. Premiums are offered at a reasonable group rate. You may seek coverage if you are working at least 20 hours per week.

UNUM AD & D Coverage

This accidental death and dismemberment insurance plan provides financial protection for your beneficiary(ies) by paying a benefit in the event of your death or for you and your dependents in the event of any other covered loss. The amount of benefit is made available up to $500,000. In addition, you can receive other various benefits that fall under the AD & D coverage. These benefits are as follows:

• Repatriation Benefit
• Seatbelts and Air Bag Benefit
• Education Benefit