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Unum

Disability Insurance

Through UNUM, EPISD offers you as an employee the option to select disability coverage to insure a portion of your salary in the event of an accident or illness that prevents you from working.

**Effective 09/01/2013 UNUM rates will increase 5% as reflected below:

Elimination Period Current Rate Per $100 of Benefit New Cost Per $100 of Benefit
0/7 Days $3.06 $3.21
14/14 Days $2.46 $2.58
30/30 Days $2.02 $2.12
60/60 Days $1.38 $1.45
90/90 Days $1.19 $1.25
180/180 Days $0.92 $0.97

COVERAGE
The Coverage is selected as an amount to be paid monthly in an event of a covered accident or illness after you have missed workdays beyond the elimination period chosen.  The Elimination Period(waiting period) is the length of time of continuous disability, due to sickness or injury, which must be satisfied before you are eligible to receive benefits.
Your maximum monthly benefit coverage is based on 2/3 your salary.

DEFINITION OF DISABILITY
You would be considered disabled and eligible for benefits if UNUM determines that:

  • you are limited from performing the material and substantial duties of your regular occupation due to your sickness or injury;
  • you have a 20% or more loss in your indexed monthly earnings due to the same sickness or injury; and
  • during the elimination period, you are unable to perform any of the material and substantial duties of your regular occupation.

Benefit Duration
 Your duration of benefits is based on your age when the disability occurs.
PLAN: ADEA II: Your duration of benefits is based on the following table:

Age at Disability Maximum Duration of Benefits
Less than age 60 To age 65, but not less than 5 years
Age 60 through 64 5 years
Age 65 through 69 To age 70, but not less than 1 year
Age 70 and over 1 year

For more information visit: www.unum.com

You may contact the On-Site UNUM Representatives at (915) 230-2068 or (915) 230-2071 for assistance with questions or filing your claim.

Once your claim has been filed, you must contact UNUM directly at 1-800-858-6843 to inquire about the status of your claim or questions regarding any benefits paid. You may also visit the UNUM website and log-in. By logging-in, you have direct access to view the status of your claims and payment processed.

UNUM Customer Service: 1-800-858-6843
UNUM FAX: 1-800-447-2498
Website:  www.unum.com