As an employee of Boone Health, Unum is pleased to continue providing eligible Boone Health employees the opportunity to enroll in Unum’s voluntary individual short term disability insurance. Whether you are currently participating or looking to enroll for the first time, use this guide to learn how this program works, how to enroll or make changes to your existing policy, who to contact for questions, and much more!
What is voluntary individual short term disability insurance and how does it benefit me?
If you are looking into this insurance for the first time, it’s important to know this is a completely voluntary program that pays in addition to Boone Health’s short term disability plan to help provide additional income protection above the 60% benefit currently being provided.
If you become injured or ill due to a covered off-the-job disability or covered pregnancy, this program pays up to 40% of your monthly base salary to protect your income. When you are on a leave of absence, the Unum voluntary individual short term disability insurance helps ease the financial stress and protects your income. It’s also important to know, YOU own the policy so if you leave Boone Health or retire you can take it with you. Unum will bill you directly for the same premium amount.
BOONE HEALTH PAID SHORT-TERM DISABILITY
Covers 60% of your base weekly earnings.
BOONE HEALTH PTO
Available PTO will supplement 40% each day until your PTO is exhausted or you return to work.
VOLUNTARY INDIVIDUAL SHORT-TERM DISABILITY INSURANCE
You can buy up to 40% of your monthly base salary.
Unum provides Boone Health employees the opportunity to enroll in the voluntary individual short term disability insurance. PLEASE NOTE: If you have an existing policy, you can continue your coverage.
BENEFIT PERCENTAGE AMOUNT
The percentage amount of coverage based on your monthly income.
BENEFIT MINIMUM AMOUNT
The minimum amount of coverage based on your monthly income.
BENEFIT MAXIMUM AMOUNT
The maximum amount of coverage based on your monthly income.
ELIMINATION PERIOD
The elimination period is a period of time that an employee must be disabled before benefits are paid.
BENEFIT DURATION
If you become disabled, this is the maximum amount of time you can receive benefits for a covered disability.
6 months (180 calendar days).
MENTAL HEALTH
PREMIUMS
Mental health coverage is included and will provide a benefit equal to 50% of the policy benefit amount with the same 7-day elimination period up to a 6-month duration period. If you reside in VT or CA, mental health is covered at 100% of the policy benefit amount, up to a maximum benefit period of 6 months.
Premiums are based on your age at the time your voluntary policy goes into effect and the selected monthly benefit amount. Please see below details on how to get a quote:
• If you are not currently participating you can get a quote online by visiting www.YouDecide. com/BooneHealth or by calling 1.800.214.6184 to speak with an advisor.
• If you are currently participating, please call 1.800.214.6184 to review coverage or get a quote.
Unum will guarantee the issuance of a voluntary individual short term disability policy to the following new Boone Health employees:
• if you started working >24 hours a week on or after September 9, 2022, or
• if you were hired on or after September 9, 2022
All other applicants will not be guaranteed issuance and will be asked health questions (medical underwriting).
If you are not currently participating in the Unum voluntary individual short term disability insurance, you can enroll online by visiting www.YouDecide.com/BooneHealth or by calling 1.800.214.6184 to speak to one of our advisors.
If you are currently participating in the Unum voluntary individual short term disability insurance, and would like to make changes or ask a question about your policy, please call 1.800.214.6184 and one of our Advisors will assist.
OPTION 1 - KEEP YOUR EXISTING POLICY “AS-IS” NO ACTION NECESSARY
OPTION 2 - KEEP YOUR EXISTING POLICY THE SAME AND ENROLL IN ADDITIONAL COVERAGE. YOUR COVERAGE BETWEEN ALL EXISTING AND NEW POLICIES CANNOT EXCEED 40%.
OPTION 3 - DECREASE EXISTING COVERAGE
• If you have an existing Unum voluntary individual short term disability policy in place, you can keep your coverage the same and continue your payroll deductions.
• Mental health coverage is included when enrolling in new coverage.
• If you currently have a 60% benefit amount under your existing policy, you have the option to change this policy to a 40% benefit amount.
As an existing participant in Unum’s voluntary individual short term disability insurance, you have the following options during this enrollment time period. To make changes to your existing plan/or enroll in an alternative plan design, you must call 1.800.214.6184 during the enrollment time period and an advisor will complete your application over the phone.
OPTION 1 – KEEP YOUR EXISTING POLICY — NO ACTION NECESSARY
If you want to keep your existing policy, no action is necessary.
OPTION 2 – KEEP YOUR EXISTING POLICY THE SAME AND ENROLL IN ADDITIONAL COVERAGE. YOUR COVERAGE BETWEEN ALL EXISTING AND NEW POLICIES CANNOT EXCEED 40%.
You may elect coverage up to 40% of your monthly base salary to a maximum of $5,000. (Please Note: This is the maximum benefit amount for all your Unum policies combined).
• A new policy will be based on the 2023 plan design.
• The new policy will be issued based on your age at the time your new policy becomes effective.
• The new policy amount will be subject to a new pre-existing condition period.
• Evidence of Insurability (EOI) is required for existing policyholders who are enrolling in the new plan design.
• For details, please see policy provisions on the last page.
• There will be no impact to your existing coverage if you add coverage. Unum will issue you a new and separate policy under the new plan design.
OPTION 3 – DECREASE EXISTING COVERAGE
• You may reduce your existing benefit amount; however, the elimination period and the benefit duration cannot be changed. For example, the elimination period cannot be changed from 14 days to 7 days and the benefit duration cannot be changed from 180 days to 90 days.
• Your existing policy will continue to be based on the age you were at the time your policy was originally issued (i.e. original effective date) and you will not have a new pre-existing condition period.
• If you are an existing Unum policy owner and want to decrease coverage, please contact Unum at (800) 635-5597.
HOW DOES THIS VOLUNTARY INDIVIDUAL SHORT TERM DISABILITY PLAN THROUGH UNUM COORDINATE WITH MY BOONE HEALTH SHORT TERM DISABILITY PLAN?
Your Unum voluntary individual short term disability policy does not coordinate with the Boone Health short term disability plan. Rather, your policy will pay in addition to the Boone Health short term disability plan. This program is not intended to replace existing coverage, but rather pay in addition to the Boone Health short term disability plan.
All regular full-time and part-time employees working 24 or more hours a week (48 hours or more a pay period) are eligible to participate (excluding Directors and above, and Boone’s Medical Group Physicians and Nurse Practitioners and all employees that are eligible under Boone’s salary continuation policies). Coverage is available to all eligible employees ages 17 to 69 who are actively at work.
Yes. If you leave Boone Health or lose eligibility, you can continue your coverage. Unum will bill you directly.
No. Unum’s voluntary individual short term disability program only covers you as the employee if you were to experience a covered disability.
Yes. Benefits are tax-free because you pay the premium with after-tax dollars, under current laws.
If you are an existing Unum policy owner and need to file a claim, please contact Unum at (800) 635-5597.
If you are an existing Unum policy owner and want to cancel coverage, please contact Unum at (800) 635-5597.
Pre-existing condition limitation — If you have a pre-existing condition within a 12-month period before your coverage effective date, benefits will not be paid for a disability period if it begins during the first 12 months the policy is inforce.
A pre-existing condition is a condition for which symptoms existed (within 12 months before your coverage effective date) that would cause a person to seek treatment from a physician or for which a person was treated or received medical advice from a physician, or took prescribed medicine. The determination on whether your condition qualifies as pre-existing will be based on the date of disability and not the date you notify Unum.
Pregnancy — Is considered the same as any other covered illness after the policy has been in effect for 9 months. The available monthly benefits will be paid upon fulfillment of the elimination period. Benefits will not be paid if the insured individual gives birth within nine months after the coverage becomes effective. However, medical complications of pregnancy may be considered as any other covered sickness, subject to the pre-existing condition limitation.
The insurance programs and discounts described here are not endorsed, offered or sponsored by Booth Health. These are entirely voluntary programs and discounts between you and the insurance company or discount provider, if you choose to enroll in the program or purchase the vendor product. Participation is completely voluntary. No contributions are made by Boone Health. All premiums and fees are due from you, but Boone Health will permit applicable premiums to be paid through payroll deduction on an after-tax basis. YouDecide is permitted to publicize the programs to you. Boone Health does not receive any consideration in the form of cash or otherwise in connection with these insurance programs and discounts.
Underwritten by: Provident Life and Accident Insurance Company Chattanooga, TN. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability. © 2023 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring Subsidiaries.
The Information in this employee benefits guide is presented for illustrative purposes and is based on the insurance policies and plan documents provided by Unum. While every effort was taken to accurately report these benefits offerings, discrepancies and errors are always possible. In case of a discrepancy between the guide and the actual plan documents and insurance contracts, the plan documents and insurance contract will prevail.