How do you see yourself five years from now? Or maybe ten? Chances are, you don’t see yourself disabled. A surprising number of people do find themselves hurt or sick and unable to work even if only for a short time.
Voluntary Short-Term Disability (STD)
- OHM Advisors offers voluntary short-term disability (STD) coverage through Unum to help protect your income should you become ill or injured and unable to work. When you enroll in this benefit, you pay the full cost via a post-tax payroll deduction, so that any benefit you receive will be tax-free.
- STD Insurance pays you a weekly benefit if you have a covered disability that keeps you from working. If you become disabled, Unum will replace up to 60% of your income up to a maximum weekly benefit of $2,500 following the applicable elimination period. If your disability is because of an illness, the elimination period is 7 days. If your disability is because of an injury, the elimination period is 0 days. If, because of your disability, you are admitted to a hospital for an inpatient stay, the elimination period is 0 days.
- The maximum number of weeks you can receive benefits under the STD coverage is 13 weeks, and may be less depending on the disability reason.
- If you choose not to purchase coverage when it was first offered to you, and decide to sign up later, you may have to answer medical questions in order to be approved for coverage.
Please refer to your Unum plan description for full details of your disability policy including exclusions and limitations. If you have questions, please contact Unum.
OHM Advisors Voluntary STD Insurance Benefit Highlights
Click here to file a claim: www.unum.com/employees/file-a-claim
Long-Term Disability (LTD)
- OHM Advisors offers voluntary long-term disability (LTD) coverage through Unum to help protect your income should you become ill or injured and unable to work for a long period of time. When you enroll in this benefit, you pay the full cost via a post-tax payroll deduction, so that any benefit you receive will be tax-free.
- LTD Insurance pays you a monthly benefit if you have a covered disability that keeps you from working. If you become disabled, Unum will replace up to 60% of your income up to a maximum monthly benefit of $7,500 following an elimination period of 90 days.
- The benefit duration is the maximum length of time you can receive benefits while you are disabled. You can receive benefits up to the Social Security normal retirement age as long as you continue to meet the definition of disability under the Unum plan.
- If you choose not to purchase coverage when it was first offered to you, and decide to sign up later, you may have to answer medical questions in order to be approved for coverage.
Please refer to your Unum plan description for full details of your disability policy including exclusions and limitations. If you have questions, please contact Unum.
OHM Advisors Voluntary LTD Insurance Benefit Highlights
Click here to file a claim: www.unum.com/employees/file-a-claim