unum.co.uk

Put your family first with valuable income protection

Because everyone needs a back-up plan

Welcome to UnumHere are a few things we think our Premier clients may find useful.

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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.

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unum.co.uk 3

4. The life of your policy

5. What you can expect from us

6. Rehabilitation services

8. In the event of a claim

9. Unum Lifeworks

10. Medical underwriting

11. Unum - supporting you every step of the way

12. Glossary of terms

13. Useful contacts

7. Claims management

ContentsClick below to go to the relevant pages

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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 (2 years)

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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...

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.

Award-winning rehabilitation

Our vocational rehabilitation services are dedicated to supporting your employees back to work when the time is right. In addition, our Premier clients can access our early intervention rehabilitaton services, helping to stop absences earlier on.

Unum Lifeworks

An enhanced employee assistance programme and legal helpline to support your business and employees, helping to tackle everyday issues before they become an absence.

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. We produce bespoke reports for you to help highlight trends and/or issues, within your business so that we can help you to tackle them.

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.

Why not visit our Premier microsite for more information

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Our rehabilitation services team work collaboratively with you to provide:• Access to a named Vocational Rehabilitation Consultant

• Early intervention rehabilitation support after just 4 weeks of absence

• Help with sickness absence management

• HR and Line Manager workshops

• Sustainable return to work programmes where appropriate

• Ongoing support

Rehabilitation Services

Our Vocational Rehabilitation Consultants (VRCs)

Our 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.

We can help you to plan for an employee’s return to work by identifying barriers, suggesting practical adjustments that may need to be made, designing a graded return to work plan and supporting both parties through its implementation.

VRCs can also carry out functional capability assessments which help to objectively measure an employee’s capacity to perform work tasks.

Downloadyour Premier Referral Form for Rehabilitation

75% of Premier referrals that return to work, return before the end of the deferred period which benefits both employer and employee.

Case StudyRead about a real life case and how Unum’s rehabilitation team supported both employer and employee.

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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 Consultant, and a Doctor

Monthly claims progress reports, to keep you up to date with any cliams that have been submitted.

Meetings at work - your CMS will come and discuss any live or pending claims, and talk through any other ways in which we can work together to help manage absence.

Claims Management

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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 2Employee

Employee

Unum

Their GP

Your Statutory Rights 1 Employee N/A. For the employee to keep

Request for copies of

medical records form1 Employee

Their GP who should return the form

directly to Unum together with their fee

invoice for providing the information

You can find a detailed timeline and more about when to submit a claim here.

In the event of a claim

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.

Your dedicated Claims Management Specialist will contact you within 5 working days of us receiving your completed forms.

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.

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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.

Unum Lifeworks

Your Employee Assistance ProgrammeAvailable 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: 0800 048 2702

Visit: www.unumlifeworks.co.uk

User ID: unum

Password: lifeworks

Or get the app - search “LifeWorks”

Your Lifeworks LegalAvailable 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.

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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 of 20 employees or more

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 workforceBy challenging the traditional medical underwriting model and keeping up-to-date withthe latest medical advances, we are often able to provide cover for people withpre-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

Medical Underwriting ensuring the right level of cover

Downloada telephone interview

application form

Downloadbenefits of being medically underwritten

(employee letter template)

Downloada written

application form

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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 schemes1, 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 companies2.

In the UK, 50 of the FTSE 100 trust us to protect their employees and our coverage continues to grow3.

Our financial strength gives us flexibility and ensures that your business and employees are in safe hands.

1.6m people insured

in 2013

Unum supporting you every step of the way

£320m of claims paid

in 2013

Have your say in this short survey

Your feedback is very important to us; it helps to shape the way we do business. We want to hear what you think of our service and how we can further improve. The survey will take no longer than 5 minutes and rest assured that your personal information will not be shared with any third parties.

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Glossary of termsClaim (otherwise known as loss) When you apply to your insurance company for a payment under the insurance policy you hold.

Deferred period 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.

Exclusions Things your insurance won’t cover.

Financial Ombudsman Service An independent organisation which deals with disputes between consumers and financial businesses, like banks or insurers.

Free cover limit The maximum amount of benefit an insurance company will insure members to without medically underwriting them.

Material fact 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.

Non - disclosure When you fail to tell your insurer about a ‘material fact’ - such as a pre-existing medical condition - before the insurer assesses your application.

On risk This is when your policy has started and you have a back-up plan in place.

Policy The agreement you have with your insurer - what you’re covered for, what it costs, and the all-important small print.

Policyholder 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.

Premium The amount you pay for your insurance.

Risk The ‘danger’ insured against, or the probability of the danger happening which the insurer is willing to insure against.

Schedule The detail of what a policy does and doesn’t cover.

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Useful contactsWhy not print out this page and pin it on your wall.

Claims:

Call: 01306 873243

(Monday to Friday 8am-6pm)

Email: customercareclaims@unum.co.uk

Address:

Claims Department

Milton Court,

Westcott Road,

Dorking

RH4 3LZ

Did you know?• Every pound you spend returns an

average of 48p in cost savings and efficiencies4.

• 10% faster return to work following absence with support through early intervention and rehabilitation4.• 1% increase in staff retention due to

better employee engagement4.• Reduction in HR resource needed to manage absence4.

• Lower legal costs through better management of employment disputes4.

Rehabilitation:

Call: 01306 646001

(Monday to Friday 8am-5pm)

Email: rhm.enquiries@unum.co.uk

Key Account Manager:

Telephone:

(Please enter your KAM’s details here)

Unum Sales Consultant

Regional Office

Advisor

Unum Lifeworks EAP – launch materials request formPlease complete in BLOCK CAPITALS

Employer Contact Details (required)

Company Name

Contact Person & Job Title

Email 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

Email 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: 01444 245041

Email: unum@tdfuk.com

page 15 of 2 UP1657 11/2008

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: 01444 245041

Email: unum@tdfuk.com

Details of further sites if multiple locations

Address

Post Code

Contact Name

Job Title

Email Address

Telephone Number

Quantity Required

Address

Post Code

Contact Name

Job Title

Email Address

Telephone Number

Quantity Required

Address

Post Code

Contact Name

Job Title

Email Address

Telephone Number

Quantity Required

Address

Post Code

Contact Name

Job Title

Email Address

Telephone Number

Quantity Required

Copyright © Unum Limited 2014Unum Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England 983768.

We monitor telephone conversations and e-mail communications from time to time for the purposes of training and in the interests of continually improving the quality of service we provide.

Registered office: Milton Court Dorking Surrey RH4 3LZ

Critical IllnessIncome Protection Life Cover

Tel: 01306 887766 Fax: 01306 881394

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 2013.

For more information please visit www.unum.co.uk

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1. Unum UK policy data, 2012

2. Unum US Analysis

3.Unum UK internal data analysis

4. CEBR ROI model March 2012