What Is Unum Short Term Disability Insurance?

Edulet

Active member
Unum is a short term disability benefits contract that can be found out with healthcare services. Under this contract, the company will guarantee the benefit period to an employee who becomes disabled. This contract is similar to the group sickness leave policy. The disability benefits run for one year and during this time, the employee will receive medical care under the direction of a doctor.

The intention behind both the Unum and sickness leave policies is to ensure that the employee receives fair access to disability benefits. If an employee is rendered disabled due to illness or accident, the company has an obligation to take care of the employee until their eligibility for benefits is verified. Once eligibility has been verified, the employee will then be entitled to the benefits. If the company refuses to cover the employee, they may be liable for civil penalty under the Federal Employers Liability Act and the Berger Law. Both these laws protect the employees rights.

The concept behind the Unum Short Term Disability Insurance is that the company will cover the employee for a certain period of time and the disability insurance will run out if the employee is not re-employed. For example, if the employee works at a business for three years and is made redundant the company has an obligation to make them resume in the same role. If the employee does not qualify for a longer benefit period, the employee will be covered under the short term disability insurance policy. If they do qualify for a longer period, they will be automatically transferred into the long term disability insurance policy.

There are several options available to an employee when considering disability benefits. The most common forms of coverage are sickness leave, long term disability and maternity. Sick leave is paid for twenty four hours after an employee has been absent from work for seven days or more. Maternity coverage pays for pregnancy up to the first twelve weeks and for the twelve consecutive weeks after a woman has given birth.

When it comes to deciding what type of policy would be the best choice for your business, it is important to consider your employees as well as yourself. If you want to cover all your employees you will need to purchase a package policy that provides benefits for every employee. In order to determine how many employees you should insure, you should consider the number of qualified employees that are in your company and also the amount of money you have available to spend on disability benefits. This will determine the best coverage policy that is both affordable and gives the best benefits. The other thing that should be considered is whether you want to provide coverage for your employees only during specific times such as holidays or vacations.

When it comes to choosing a company that provides short term disability coverage, there are several factors that you should take into consideration. Make sure that the company has been in business for at least five years and that they have sufficient experience with the type of coverage that you are looking for. It is also a good idea to check with your state labor office to make sure that they are licensed to do this type of work. Another thing to consider is whether the company offers any kind of a no claim bonus. This can help to save you some money on any medical bills that arise. Remember, an employee's attitude can make all the difference in their health and well being and it never hurts to take the time to consider the options that are available to you.​
 

Wisdom01

Valued Contributor
Thanks for the enlightenment ,I think in this situation the company would be in charge of the disability insurance package of the workers , as he or she would get the desired coverage at the desired time and at the desired period ,the company would pay the premium necessary to the insurance company
 
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