Provides a financial benefit and rehabilitation support if an employee is unable to work because of illness or injury.
Cover depends on scheme level - terms and conditions apply.
Income Protection can provide a financial benefit and rehabilitation support if an employee is unable to work because of long-term illness or injury.
Group Income Protection can be used by employers:
Benefits are normally based on an employee’s earnings with options available to meet the employer’s specific needs and budget.
Our ‘menu based’ approach provides a range of options and enables customers to mix and match benefits tailored to their needs, these options include:
Our Simplicity Income Protection product offers simplified options and administration. It provides an affordable solution for employers who want to give a basic level of cover to their employees for the first time with a flat benefit of £12,000 per year (or 100% of earnings, if lower).
Unum's Executive Income Protection is designed for small/medium-size businesses looking to offer selected employees the benefits of an extended sick pay arrangement.
Sick Pay Insurance provides financial support for short-term absence, with payments that can start from week 1 of absence and be paid for up to 52 weeks. This is designed to complement a business’s existing sick pay scheme.
Access to our nationwide rehabilitation team, who help manage an employee’s sickness absence. And because they’re used to working with companies of all different sizes and with a whole range of illness and injuries, your client will always be in safe hands.
Our Employee/ Employer Assistance Programme offers employees access to a 24/7 helpline for advice on everyday issues like debt and childcare. Face to face counselling can also be offered for more serious issues. For employers, LifeWorks™ provides help on a wide range of HR issues as well as legal assistance, including the ability to create legally binding documents – great for smaller employers with no HR function.
Mental Health Pathway
Unum’s Mental Health Pathway is an early intervention service that enables both employers and employees to access specialist support, quickly, when mental health concerns are first raised.
You can find a full list of all the additional support services and expertise available to all GIP customers on our Getting the most out of your Income Protection Policy page.
Premier is account management for our GIP customers. It provides access to additional services – including an account manager and early rehab intervention - to help better manage sickness absence.
Premier gives access to all the standard features and benefits of a Unum Group Income Protection scheme as well as some additional services to help manage sickness absence:
For more information on Premier, please contact your local sales office.