Welcome to Unum. Because everyone needs a back-up plan. unum.co.uk

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1 Welcome to Unum Here Put your are a few family things first we with think valuable our income clients protection may find useful. Because everyone needs a back-up plan unum.co.uk

2 Thank you for choosing Unum as your Group Income Protection provider. This document will tell you everything you need to know about your policy and how we can work with you to meet your needs. Look out for arrows like this in the document - these point to links that give you access to supporting documents, claims forms and more in-depth information. If you have any further questions, please visit our website unum.co.uk, speak to your Unum consultant or contact your Independent Financial Adviser. 2

3 unum.co.uk 3 Contents Click below to go to the relevant pages 4. The life of your policy 5. What you can expect from us 6. Claims management 7. Rehabilitation services 8. In the event of a claim 9. Unum Lifeworks 10. Medical underwriting 11. Serious Illness Benefit 12. Unum - supporting you every step of the way 13. Glossary of terms 14. Useful contacts 3

4 The life of your policy Policy set up and administration Annual Renewal Review Once we have received your membership data we will send you a statement of accounts and policy schedule, which give you more detail on the ins and outs of the policy you have taken out with us. Payment for the first year is needed by the start date agreed. Congratulations! You now have a back-up plan in place. Each year before your policy renews we will ask you to provide us with updated membership data so that we can ensure your employees remain covered. You will also make your next payment unless you have monthly billing. At this point our underwriters will look at your scheme again. A number of factors will be assessed to ensure that your premium is set at the correct level. Cover start date Renewal (1 year) Review (3 years) 4

5 What you can expect from us: You can rest assured that we ve got you covered. Protecting your business from the consequences of long-term sickness absence will reduce volatility and provide you with predictable costs so that you can budget with confidence. In the event of a claim you can expect an easy claims process, supported by a thorough and fair evaluation of all claims in a timely manner. But Income Protection is more than just a benefit cheque. We believe it is about prevention and education too. We provide a number of added value services and tools to improve your employees resilience and help you to better understand sickness absence in your business. Unum Lifeworks An employee assistance programme and legal helpline to support your business and employees, helping to tackle everyday issues before they become an absence. Employee Benefit Communications Employees with well-communicated benefits are more likely to feel that their employer values their work and cares about their wellbeing. We can help you get the launch off to a good start. Your Unum Consultant can provide you with further information. Award-winning rehabilitation Our vocational rehabilitation services are dedicated to supporting your employees back to work when the time is right. Benchmarking It s important businesses know how they match up to others and with our experience of this market and the data that we hold we can show you. Your Unum Consultant can provide you with further information. Come and meet us and take a Customer Path tour. You ll talk to representatives from our key departments and learn more about how we can make a difference for your business. An invitation from Unum... 5

6 Claims Management Every claimant and employer is unique, which is why we ll work with you to develop a customised plan to meet your needs. You will benefit from: Your own dedicated Claims Management Specialist (CMS) who will guide you through the claim process and keep everyone in the loop An in-house team of experts, including medical and vocational professionals, who ensure we deliver the right support for each situation Our Round Table gets all of our experts in one room to ensure a complete understanding of each claim - Claims Management Specialists, an Insurance Nurse Specialist, a Vocational Rehabilitation Consultant, and a Doctor. 6

7 Rehabilitation Services Return to work support from day 1 Our Vocational Rehabilitation Consultants (VRCs) have backgrounds in a number of disciplines, including occupational therapy, psychology, nursing and disability management that allow us to effectively support your employees back to work. A simple phone call to Unum can provide practical guidance, designed to help you navigate the difficulties of sickness absence. Our team of experienced professionals specialise in tackling the issues you may be puzzling over. We can help by: Discussing any employee absence-related issue with you Providing up to five face to face counselling sessions Offering a fresh perspective on sickness absence management and helping to break down barriers Developing a flexible return to work plan that meets both yours and your employee s needs Providing employee support, at home and by telephone, for a safe return to work, even after prolonged absence Supporting an employee working reduced hours towards a gradual return to full-time work through tailored and flexible plans Supporting an employee who s at work but struggling Providing ongoing case management with regular reviews to monitor progress Call our helpline (8am - 5pm): Or us at: rhm.enquiries@unum.co.uk Case Study Read about a real life case and how Unum s rehabilitation team supported both employer and employee. 7

8 In the event of a claim We hope that your employees remain healthy and in work but in the event of a claim we have made our process simple and straightforward. What we need from you: You can download all the forms you need to fill in for your claim from the table below. Alternatively, contact details for our Claims Department can be found on page 13 of this booklet. You can find a detailed timeline and more about when to submit a claim here. Form No. of copies to print Filled in by Send to Employer claim form 1 Employer Unum Employee claim form 1 Employee Unum Consent form 2 Employee Employee Unum Their GP Your Statutory Rights 1 Employee N/A. For the employee to keep Request for copies of medical records form 1 Employee Their GP who should return the form directly to Unum together with their fee invoice for providing the information Your dedicated Claims Management Specialist will contact you within 5 working days of us receiving your completed forms. 8

9 Unum Lifeworks As part of the Income Protection scheme you have access to Unum Lifeworks at no extra cost, helping to tackle problems before they result in workplace absence. Your Employee Assistance Programme Available to both insured and uninsured employees: Freephone and online support, providing access to downloads, tip-sheets and MP3s on a range of everyday issues Available to insured employees only: Face-to-face counselling sessions Cognitive Behavioural Therapy, including face-to-face treatment where appropriate Eye Movement Desensitisation Reprocessing (EMDR), to help alleviate the symptoms of Post- Traumatic Stress Disorder Insured employees can access the service: Work/Life Assistance 24/7 Call: Visit: User ID: unum Password: lifeworks Or get the app - search LifeWorks Your Lifeworks Legal Available to insured employees only: Personal legal support, including wills & probate, property law, consumer advice, medical law and debt advice Available to the business: A dedicated legal and advisory service designed to take strain and cost out of dealing with legal issues facing businesses today Downloadable legal documents, including disciplinary, health & safety and employee contracts Your Unum Lifeworks consent form is included at the end of this pack. Please print it, fill it out and return it to unum@tdfuk.net or the address listed on the form to receive your launch pack. 9

10 Medical Underwriting ensuring the right level of cover With time a precious commodity, we ve made our medical underwriting process as simple as possible. No need for routine medical evidence Telephone and face-to-face underwriting options as an alternative to our paper application form No repeat underwriting requirements for salary-related changes for schemes It is important to check that those who need to be medically underwritten have been, so that they are fully protected if the unexpected happens. Innovative underwriting for a modern workforce By challenging the traditional medical underwriting model and keeping up-to-date with the latest medical advances, we are often able to provide cover for people with pre-existing conditions such as heart attack, cancer, paraplegia, back pain and diabetes. We also offer cover up to age 70 and can consider protection for: Second heart attacks Stable angina, or Following heart valve surgery Download a telephone interview application form Download Download a written application form benefits of being medically underwritten (employee letter template) 10

11 Serious Illness Benefit As a valued customer introduced to us by JLT, you already have the reassurance that your Income Protection policy will give you and your employees access to a wide range of support tools and practical help. Income Protection also comes with Serious Illness Benefit at no extra cost. With Serious Illness Benefit, we will pay a single benefit payment of 5,000 after only two weeks of sickness absence caused by a heart attack, a stroke or cancer - even if the employee returns to work before the end of the policy deferred period. Whether it s to pay for equipment, help with transport to and from medical appointments, or practical care in the home, a quick injection of cash could help ease the immediate financial concerns that can go hand-in-hand with serious illness. A few things to note: The heart attack, stroke or cancer must be of a certain severity to qualify for benefit payment. We have detailed the qualifying criteria in your policy supplement Benefit is not payable if the employee has previously had a heart attack, stroke or cancer Benefit is not payable if the employee has a related medical condition that may lead to the event that has caused the absence. Again, details of the related conditions that can affect benefit payment are set out in your policy supplement Only one payment will be made for each employee that meets the criteria while we are providing your Income Protection cover Typically, benefit is paid to the employee through your payroll system. We have assumed that it is subject to normal PAYE income taxation and National Insurance contributions - the same as the regular monthly benefit payments we make Benefit is not payable if an employee dies before being absent from work for two weeks 11

12 Unum supporting you every step of the way We re more than an insurance company. We bring peace of mind to families across the UK, and help employers manage the emotional and financial costs of disability in the workplace. We re proud to have this acknowledged annually with different awards. More than 40 years in the industry has given us the expertise and knowledge to develop unique relationships with our customers. And with over 14,500 insured schemes 1, the largest number in the market, we are the leading provider in the UK. We have a US parent, making us part of the Unum Group of companies a Fortune 500 company which insures 38% of the Fortune 500 companies 2. In the UK, 50 of the FTSE 100 trust us to protect their employees and our coverage continues to grow m people insured in m of claims paid in 2013 Our financial strength gives us flexibility and ensures that your business and employees are in safe hands. Research We often undertake research to gain greater knowledge about the specific needs and opinions of employers. This helps us to ensure that our products and services continue to provide value to our customers. If you would prefer not to be contacted for research purposes, please us at customer.research@unum.co.uk 12

13 Glossary of terms Claim (otherwise known as loss) Deferred period Exclusions Financial Ombudsman Service When you apply to your insurance company for a payment under the insurance policy you hold. The time between when your employee goes off sick and the date they start receiving insurance benefits. For example, if your employee became ill and could not work from January, and your Income Protection policy had a 6-month deferred period, your policy would start paying out in July if their illness continued beyond those 6 months. Things your insurance won t cover. An independent organisation which deals with disputes between consumers and financial businesses, like banks or insurers. Free cover limit Material fact Non - disclosure On risk Policy Policyholder Premium Risk Schedule The maximum amount of benefit an insurance company will insure members to without medically underwriting them. This is anything that an insurer might take account of when deciding whether to provide cover or deciding on the premium and terms and conditions of the policy. For example, this could include information on a medical condition that you already have when you apply for medical insurance, or for Income Protection. You have to tell the insurance company about any material facts when applying for insurance. When you fail to tell your insurer about a material fact - such as a pre-existing medical condition - before the insurer assesses your application. This is when your policy has started and you have a back-up plan in place. The agreement you have with your insurer - what you re covered for, what it costs, and the all-important small print. You, the company who is insured. Sometimes known as the insured. A policyholder may also take out cover on the life of another, in which case the policyholder and insured are different people. The amount you pay for your insurance. The danger insured against, or the probability of the danger happening which the insurer is willing to insure against. The detail of what a policy does and doesn t cover. 13

14 Useful contacts Why not print out this page and pin it on your wall. Did you know? Claims: Call: Vicky Robson: or (Monday to Friday 8am-6pm) Address: Claims Department Milton Court, Westcott Road, Dorking RH4 3LZ Rehabilitation: Every pound you spend returns an average of 48p in cost savings and efficiencies 4. 10% faster return to work following absence with support through early intervention and rehabilitation 4. 1% increase in staff retention due to better employee engagement 4. Reduction in HR resource needed to manage absence 4. Lower legal costs through better management of employment disputes 4. Unum Consultant: Telephone: Call: (Monday to Friday 8am-5pm) (Please enter your Consultant s details here) 14

15 Unum Sales Consultant Regional Office Advisor Unum Lifeworks EAP launch materials request form Please complete in BLOCK CAPITALS Employer Contact Details (required) Company Name Contact Person & Job Title Address Telephone Number Address Post Code NOTE if multiple locations please complete details of further sites on page 2 Unum GIP Policy number/name Number of Employees covered by the Unum GIP policy Total Number of Employees Launch materials delivery address Company Name Contact Person & Job Title Address Telephone Number Address Post Code Please return form to: Unum LifeWorks, c/o The Data Factory (UK) Ltd, First Floor,18 Victoria Way, Burgess Hill, West Sussex RH15 9NF Fax: unum@tdfuk.com

16 Details of further sites if multiple locations Address Post Code Contact Name Job Title Address Telephone Number Quantity Required Address Post Code Contact Name Job Title Address Telephone Number Quantity Required Address Post Code Contact Name Job Title Address Telephone Number Quantity Required Address Post Code Contact Name Job Title Address Telephone Number Quantity Required Please return form to: Unum LifeWorks, c/o The Data Factory (UK) Ltd, First Floor,18 Victoria Way, Burgess Hill, West Sussex RH15 9NF Fax: page 16 of 2 UP /2008

17 1. Unum UK policy data, Unum US Analysis 3.Unum UK internal data analysis 4. CEBR ROI model March 2012 About Unum Unum is one of the UK s leading providers of financial protection with more than 40 years experience. Unum helps employers protect their workers by providing access to financial protection, safeguarding employees from the financial consequences of serious illness, injury or death. At the end of 2013, Unum protected almost 1.6 million people in the UK and paid claims of 320 million - representing in excess of 6 million a week in benefits to our customers - providing security and peace of mind to individuals and their families. In the UK, Unum has a financial strength rating of A- (Strong) from Standard & Poor s with a stable outlook. Its US parent company, Unum Group, traces its history back to 1848 and is one of the leading providers of employee benefits products and services, and the largest provider of group and individual disability insurance in the United States. Premium income for Unum Group and its subsidiaries totaled $7.6 billion in the year ended 31 December 2013, with reported revenues for the group totaling $10.4 billion. Total assets were $59.4 billion at 31 December For more information please visit Income Protection Critical Illness Life Cover Registered office: Milton Court Dorking Surrey RH4 3LZ Unum Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England We monitor telephone conversations and communications from time to time for the purposes of training and in the interests of continually improving the quality of service we provide. Copyright Unum Limited 2014 Tel: Fax: UP /2014 Page 17 of 17