Disability Insurance

Through Unum, EPISD offers you as an employee the option to elect disability coverage to insure a portion of your salary in the event of an accident or illness that prevents you from working.

COVERAGE
Coverage is selected as an amount to be paid monthly in an event of a covered accident or illness after you have missed workdays beyond the elimination period chosen.  The Elimination period is the number of days after a disabling accident or illness occurs that triggers the payment of disability benefits. 

Your maximum monthly benefit coverage is based on 2/3 your salary

DEFINITION OF DISABILITY
You would be considered disabled and eligible for benefits if Unum determines that:

• you are limited from performing the material and substantial duties of your regular occupation due to your sickness or injury;
• you have a 20% or more loss in your indexed monthly earnings due to the same sickness or injury; and
• during the elimination period, you are unable to perform any of the material and substantial duties of your regular occupation.

Elimination Period		Cost Per $100 of Benefit
0/7 Days		$3.06
14/14 Days		$2.46
30/30 Days		$2.02
60/60 Days		$1.38
90/90 Days		$1.19
180/180 Days		$0.92
For more information check the UNUM Rate Sheet

For more information visit: www.unum.com

You may contact the On-Site UNUM Representative at (915)887-6807 for assistance with questions or filing your claim.

Once your claim has been filed, you must contact UNUM directly at 1-800-858-6843 to inquire about the status of your claim or questions regarding any benefits paid. You may also visit the UNUM website and log-in. By logging-in, you have direct access to view the status of your claims and payment processed.

UNUM Customer Service: 1-800-858-6843
UNUM FAX: 1-800-447-2498
Website:  www.unum.com