How does the Group Life Disability insurance work?

Group Life Disability insurance provides income replacement benefits to employees who are unable to work due to a disability. When an employee becomes disabled, they can file a claim with Unum. The claim is then reviewed to determine eligibility for benefits. If approved, the insured employee will receive a portion of their pre-disability income on a regular basis. The benefit amount is typically a percentage of the employee's salary and is subject to the policy's limitations and definitions of disability. The duration of the benefit payments will depend on the policy's terms, which may be short-term or long-term. This insurance helps employees maintain financial stability during periods of disability, providing a crucial safety net for both the employee and their dependents.