Long Term Disability

Tools and Resources



HOW TO ENROLL


No enrollment is necessary for Long Term Disability. It is automatically provided after you have completed one year of service in a benefits-eligible status. 

If you are a new hire and had LTD coverage for five years by a qualified plan of a previous employer, you can waive the one year service requirement. Documentation of the previous coverage must be provided to the Benefits Department.

arrow  TO ENROLL IN THE COST OF LIVING ADJUSTMENT (COLA) OPTION:

Employees must enroll in COLA within 31 days of eligibility. If you do not enroll within 31 days of eligibility and would like coverage at a later date, you must wait for the annual enrollment period and provide an Evidence of Insurability (EOI) to gain coverage. The EOI is subject to approval by UNUM.

 

arrow  TO ENROLL IN THE SUPPLEMENTAL INCOME PROTECTION (SIP) OPTION:

You must enroll when you are initially eligible during the first benefits annual enrollment period after completing one year of service. Enrollment is only offered one time. Visit the UNUM Supplemental Income Protection web site at www.unum.com or call 800-421-0344 for more information.