How to Maximize Your Employee Benefits with Unum

Employee benefits are a critical part of financial security, but many people don't take full advantage of the options available to them. Unum offers a range of benefits, including disability, life, and vision insurance, but understanding how to use them effectively is key. This guide will walk you through how to maximize your Unum benefits to protect yourself and your family.

1. Understanding Your Unum Benefits
Unum provides several types of coverage, including:

A. Disability Insurance
Short-Term Disability (STD): Provides income replacement for a temporary injury or illness.
Long-Term Disability (LTD): Covers extended periods of disability, ensuring financial stability.
✅ Tip: If your employer offers both, consider combining them for continuous protection.

B. Life Insurance
Basic Life Insurance: Often provided by employers at no cost.
Supplemental Life Insurance: Additional coverage you can purchase for extra security.
✅ Tip: Check if your policy includes accidental death and dismemberment (AD&D) benefits for extra protection.

C. Vision & Dental Benefits (Including Always Vision)
Covers eye exams, glasses, and contact lenses.
Helps reduce the cost of dental procedures and check-ups.
✅ Tip: Use in-network providers to get the best savings on vision and dental care.