The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.
Applicable to Policy Forms: C.FP-1 et. al. (Group STD and LTD), 850, 850-F, 851, 851-F (Individual Disability) and L-21776, FUL-21776 (ISTD).
These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratios for the Individual Disability policies are 54% for policy form 850, 61% for policy form 850-F, 60% for policy form 851 and 67% for policy form 851-F. The expected benefit ratio for Individual Short Term Disability policy form FUL-21776 is 50%. The ratio is the portion of future payments that the company expects to return as benefits when averaged overall people with the policy.
Group Short Term and Long Term Disability insurance are underwritten by: Unum Life Insurance Company of America, Portland, ME. In New York, underwritten by First Unum Life Insurance Company, Garden City, NY.
Individual Disability insurance is underwritten by: Provident Life and Accident Insurance Company, Chattanooga, TN. In New York, underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.
Individual Short Term Disability insurance is underwritten by: Provident Life and Accident Insurance Company, Chattanooga, TN. In New York, underwritten by First Unum Life Insurance Company, Garden City, NY.