Employee benefits tailored to
the needs of small businesses
Employers of all sizes look to you to help meet their
insurance benefit needs. Traditionally, small businesses
have been challenged to find robust benefits similar to
those offered to larger companies.
New small business
tax credit
Your customers may be eligible
for a new health care reform
tax credit. To qualify they must:†
Recognizing the potential in the fewerthan-ten-employees business market,
we have tailored a group offering
specifically for small businesses. As the
leader in disability insurance,2 Unum can
provide big business advantages to your
small business clients.
• Have fewer than 25 full-time
workers or the equivalent
• Pay an average annual wage
of less than $50,000
• Cover at least half the cost of
health insurance premiums
for employees
Give your clients more
They can leverage this credit to help
pay for valuable life or disability
benefits for their workers.
The Unum small business employee
benefits plan goes beyond good basic
benefits. Small business clients need
a benefits package that is easy to
administer and that provides access to
innovative services that help them do
more for their employees.
Access to ”big-business”
advantages
• Small business owners and their
employees who are covered under
our long term disability plan receive
Unum’s work-life balance employee
assistance program:3 online resources
and 24-hour, toll-free phone access
to master’s-level consultants who
provide confidential* and professional
advice on both everyday issues like
financing a car as well as more serious
ones like divorce or substance abuse.
• Life Planning services provide impartial
financial and legal support and
counseling for beneficiaries and for
covered employees and their spouses
who are terminally ill.4
• Local or regional service support
for employers
Offer a choice of coverages
• Long term disability insurance
• Short term disability insurance
1
• Life insurance with accidental
death and dismemberment
coverage
Services that help employees:
• Online billing and plan
administration assistance
• Flexible funding options
• Employee assistance services
• Dedicated claims processing with
one-on-one contact
• Online return-to-work information
MK-1244 (11-11)
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Plan highlights
Long term disability insurance
Short term disability insurance
Benefit
amounts
• Monthly benefit ranges from $3,000 to $6,000 per month, available in $1,000 increments
• Choice of benefit percent: 50% or 60%
• Maximum benefit ranges from $200 to $1,000 per week, available in $100 increments
• Choice of benefit percent: 50% or 60%
Elimination
periods
Choice of elimination periods: 90 days or 180 days
Choice of elimination periods:
• Zero-day injury, seven-day sickness — benefits begin to accrue on the first day of injury or the
eighth day of illness
• 14-day injury, 14-day sickness — benefits
begin to accrue on the 15th day of injury or
the 15th day of illness
Benefit
periods
Benefits payable to age 65 or older for injury or illness, in
compliance with ADEA
Choice of benefit duration: 11, 13, 24 or 26 weeks
Advantages
• Coverage for total and partial disability
• Choice of definitions of disability: two-year own occupation with partial; or two-year own occupation with residual (includes accelerated elimination period)
• Primary and family benefit integration
• Work incentive benefit
• Worksite modification benefit
• Optional conversion privilege
• Work-life balance employee assistance program
Full maternity coverage
Group term life insurance with AD&D Benefit
payment
Choice of benefit payments:
• one of two flat benefit amounts: $25,000 or $50,000; or
• one time or two times salary to a maximum of $50,000 (without medical underwriting), or $100,000 (with a non-medical maximum of $50,000 and with medical underwriting over that amount)
Features
• Accelerated benefits up to 50% of the total life insurance benefit
• Matching accidental death and dismemberment coverage with expanded benefit schedules and features
• Portability 5
• Conversion privilege
• Optional waiver of premium
Services
Life Planning Financial & Legal Resources
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†
A few additional restrictions apply. See your tax advisor for details.
*The consultants must abide by federal regulations regarding duty to warn of harm to self
or others. In these instances the consultant may be mandated to report a situation to the
appropriate authority.
1 Short term disability insurance is not available in California, Hawaii, New Jersey, New York
or Rhode Island.
2 Gen Re 2010 U.S. Disability market surveys, 2011, JHA Disability market Surveys 19972010,and annual survey of the Employee Benefits Research Institute (EBRI) for 21 years prior
to 1997.
3,4 Work-life balance employee assistance program is provided by Ceridian Corporation. Life
Planning Financial & Legal Resources services are provided by Ceridian Corporation. Services
are available with selected Unum insurance offerings. Exclusions, limitations and prior notice
MK-1244 (11-11)
FOR BROKER INFORMATION ONLY
requirements may apply, and service features, terms and eligibility criteria are subject to
change. The service is not valid after termination of coverage and may be withdrawn at any
time. Please contact your Unum representative for full details.
5 Portability is not available to employees and/or dependents who are sick or injured; these
individuals are eligible to convert their coverage to an individual whole life policy.
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.
Underwritten by: Unum Life Insurance Company of America, Portland, Maine
In New York, underwritten by: First Unum Life Insurance Company, New York, New York
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