Personal and family life involves taking on some serious financial commitments. A new mortgage, children's education and home improvements can all make maintaining a constant income a vital necessity.
But what if illness or injury threatened your ability to earn a living?
In the UK:
- more than 2 million people of working age have been off work for 6 months or more*
- more than 60 per cent of those people have been claiming State Benefits for more than 3 years.*
Unum's Primary Income Replacement Plan is designed to ensure that an individual's top priority financial commitments can be met should illness or injury make them unable to work.
Primary Income Replacement provides financial security through regular benefit payments. The plan also recognises the desire to return to a full, working life as soon as possible by allowing access to Unum's unique Rehabilitation Services.
These pages provide an overview of our Primary Income Replacement Plan. You will find information on what the product is, how it works and how it helps secure payments on an individual's most important financial commitments.
*Department of Work and Pensions, November 2004
What does Unum provide?
The features
Who benefits?
Getting further advice
Further information can be found in our Primary Income Replacement Literature section, including Forms.