Group Income Protection Insurance
We provide an end-to-end service that can help manage sickness absence, support you and your employees when there are wellbeing concerns, and protect people financially by providing a continued percentage of their income while supporting their return to work.
Our support servicesOffering more than just insurance
Our Group Income Protection customers have immediate access to a range of health and wellbeing support services at no additional cost.
Help@hand
Total health and wellbeing support for employees, including remote GPs, mental health support and full integrated Employee Assistance Programme – with a comprehensive employee communications toolkit.Employee/Employer Assistance Programme (EAP)
EAP services are fully integrated into Help@hand from April 3rd. Find out more about what this means for you and your employees.Rehabilitation and return to work support
Immediate access to specialist support to help individuals stay at work if struggling with a health condition or return to work after absence. We also offer a personal wellbeing check to keep your employees engaged and productive.Online workshops
Available for HR professionals and line managers on a number of workplace wellbeing topics including sickness absence, mental health and bereavement, to help understand how best to support employees.Mental Health Pathway
Unum’s Mental Health Pathway is an early intervention service providing fast, specialist support to employers and their employees when facing a mental health concern.Cancer Pathway
Unum’s Cancer Pathway provides quick and easy access to cancer support upon diagnosis, through treatment and after treatment – whenever needed.
OverviewWhat is Income Protection and how does it benefit employers?
Group Income Protection pays a percentage of an employee’s salary if they’re unable to work due to long term illness or injury. Our customers also have access to an extensive range of health and wellbeing services at no additional cost.
Financial peace of mind
Income Protection can be used by employers as an employee benefit, to provide continued income for sick and incapacitated employees, helping to relieve money worries at a difficult time. Having this valuable benefit in place can help to attract as well as retain employees, potentially reducing costly staff turnover.
Rehabilitation support
Unum have a team of dedicated rehabilitation consultants, who are there to help you manage sickness absence and the associated costs by supporting employees back to health, and back to work if this is the aim. Having this support available can reduce the length of absence and its impact on the organisation as well as support your valued employees through ill health.
Why choose usInsurance with a difference
Whether it’s prevention, intervention or protection, you have immediate access to a range of health and wellbeing support services for you and your employees. All our services and resources have been designed to keep staff healthy, managers up to date on workplace health and wellbeing issues, and help prevent sickness absence and its associated costs.
Our support services
More than just financial peace of mind - get access to expertise and support tools for employees and employers.
Flexible benefits
Including flexible payment start dates, short-term benefits, and the option to include an initial or final lump sum.
Absence management support
Our dedicated rehab team, guidance and tools are available to support employees and reduce the impact of employee absence.
Wellbeing resources
Providing education and support for HR and line managers, including webinars, workshops, podcasts, and a Wellbeing Calendar.
Help@hand
Our health and wellbeing app, provided by Square Health, offers employers a quick, simple and effective way to show employees they care about their physical and mental wellbeing, while reducing sickness absence.
Claims management
Unum’s claims process is designed to be as simple and straightforward as possible, We use dedicated Claims Management Specialists and a consistent, clear and honest approach from start to finish.
Our Simplicity Income Protection product offers simplified options and administration.
It provides a more affordable, more basic cover for employers looking to protect their employees for the first time with a flat benefit of £12,000 per year (or 100% of earnings, if lower).
Wellbeing calendarUpcoming events and webinars
Any questions?
View FAQsNew customers can sign up for one of our 30-minute online welcome sessions, known as Wellbeing Ready sessions. These provide onboarding support explaining all the wellbeing and support services you can access with your policy. The sessions include a Q&A and useful downloads to make sure you can register straight away for these services.
Register for Wellbeing ReadyYes. Help@hand is available at no cost for employees insured under a Group Income Protection, Group Life or Group Critical Illness policy. Selected Help@hand services are also available to uninsured employees at no additional cost. Employers can extend the full suite of services to employees not covered by the Group Risk policy for a cost of £4.50 per employee per month.
* Help@hand is provided to Unum Group customers by Square Health. It offers access to services designed to manage the health and wellbeing of employees and their families. Help@hand is entirely separate from any Unum insurance policy. Help@hand is not part of the insurance contract, is provided by Unum for no additional cost to its customers, and Unum can withdraw or change the service in the future. Help@hand is available to UK residents only. Unum offers access to the Help@hand services provided by third parties. Square Health Limited, registered in England and Wales Number 07054181. Crown House, William Street, Windsor SL4 1AT.
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