What is the waiting period for disability insurance?

The waiting period for disability insurance with Unum is typically determined by the policyholder during the application process. Unum offers a range of waiting period options to provide flexibility and meet different needs. Policyholders can choose waiting periods as short as seven days or as long as 365 days. The waiting period refers to the duration an insured individual must wait after becoming disabled before they can start receiving benefits. Choosing a longer waiting period may lead to lower premiums, while selecting a shorter waiting period ensures quicker access to benefits. Policyholders should consider their financial situation, potential savings, and other available resources to determine the waiting period that best suits their needs.