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Standard Features #1
Optional Features
Misc.
Optional Features #2
100
What is the standard provision on all SU LTD ‘09 and SU STD ‘09 plans, allowing employees who terminate employment to continue their coverage at group rates (just like our life coverage).
Portability
100
What is the provision that allows employees who terminate with the employer to apply for LTD coverage under a group trust contract without evidence of insurability.
Conversion
100
What is plaza tower ones address including zip code?
6400 S Fiddlers Green Circle 80111
100
TRUE/FALSE Unum automatically produces W-2s (by January 31 each year) on fully insured and on self-insured LTD plans when we also provide the check-cutting service.
True
200
If an insured is receiving benefits and dies after having been disabled for at least 180 days, we will pay this benefit. The standard benefit is 3x the gross monthly benefit and is usually paid in a lump sum to the eligible survivor.
Survivor Benefit
200
For the individual who is disabled for an extensive period of time, inflation will steadily erode the buying power of an insured's benefit amount. What optional provision protects the insured? There are four options you can purchase, list them.
COLA (1%, 2%, 3% or lesser of 3% or 1/2 CPI)
200
Who is our Denver director of LTD claims?
Kat Dimick
200
This benefit is designed to provide benefits for medical professionals who are not disabled from their occupation, but have been prohibited from performing their occupation due to testing positive for an serious condition.
Infectious and Contagious Rider
300
An assistance program that also provides an additional payment to insured's while they participate in the program. A written plan is developed by one of Unum's rehabilitation professionals for individuals who would benefit from the additional support and incentives provided under the program.
Rehab and Return to Work Program
300
This rider provides additional benefits for employees who have a catastrophic disability (loss of 2 or more Activities of Daily Living or “ADLs”, or deterioration of/loss in intellectual capacity). ADLs are bathing, dressing, toileting, transferring, continence and eating.
Disability Plus
300
What is the height difference between PK and Jess?
-PK 6'5" -Jess 5'2" with heels Correct answer 1'3"
300
What is the average load to the rate for Unum's specialty definition of disability? And what is the additional % to add sub-specialty wording?
-10% and 0% additional for sub-specialty
400
What are the most common offsets to Unum's group disability contracts?
workers comp, other group plans, ss disability and more
400
This optional benefit pays the insured a monthly benefit in proportion to their income loss when they return to work full-time and are no longer disabled. This benefit is designed for industries/occupations where income is determined by their book of billings (e.g. attorneys, physicians, accountants, consultants, etc.). These individuals may still suffer an income loss after they are no longer disabled and return to work full-time, since a reduction in client billings would have occurred during the period of disability.
Recovery Income Protection
400
When did Cory start with Unum? Closest date
January 16th
400
What is the load difference between an employer paid gross up and a tax choice plan? Closest % wins
0!!!
500
What definition of disability am I? -the insured is limited from performing the material and substantial duties of his/her regular occupation due to sickness or injury; -the insured has a 20% or more loss of indexed monthly earnings due to the same sickness or injury; -during the elimination period, the insured is unable to perform any of the material duties of their regular occupation
partial
500
This is an optional feature that provides an additional payment to help offset post-secondary education costs for each child that is an “eligible student" while the insured is receiving benefits. This benefit provides $400 per month for each eligible student. Employers may elect lower monthly benefit amount of what?
Education Benefit -$200 option also available
500
What is the highest LTD benefit % you can offer on a Unum Red-Par LTD plan?
60%
500
What is the maximum benefit percentage and period of payment on Unum's Revenue protection benefit?
60% and 24 months