After 24 months of payments, you are disabled when UNUM determines that due to the same sickness or injury, you are unable to to perform the duties of any gainful occupation for which you are reasonably fitted by education, training and experience. Coordination of Benefits Benefits payable under this plan are coordinated with benefits payable under other disability coverages and retirement plans. The policy will not cover any disability which begins in the first 12 months after an insured's effective date, if that disability occurs as a result of a pre-existing condition. If application is made during your eligibility period, acceptance in the plan usually begins the first day of the following month. A health statement will be required if you enroll after your eligibility period.
Eligibility begins the first day of employment.
Proof of insurability is necessary if you do not enroll within the first 31 days of employment. To age 65 but not less than 60 mo. Benefit - Your survivor will receive a benefit equal to three times your monthly benefit if you were disabled for 180 days or more and were receiving a benefit. Rehabilitation - Standard Life will normally cover rehabilitation costs should you become disabled. Own Occupation up to Age 65 - If you are disabled and cannot function in your current job, your benefits will continue for 24 months.