UNUM Voluntary Disability & Insurance Enrollment

In addition to the company-provided disability and life insurance benefits you automatically have at no cost to you, all employees are eligible to enroll in additional voluntary benefits (at an additional cost to you) through UNUM.   

Annual voluntary open enrollment is your only time to enroll for the year if you are interested, so review the information carefully to decide if you want to make any elections.  Benefits elected are for the year and cannot be increased mid-year.  These voluntary plans are paid for by paycheck deductions.  Contact a Unum representative to review your benefit options, enroll in voluntary benefits, or make changes to existing coverage.  

Some voluntary plans may be able to be reduced or canceled at any time throughout the year.  Please contact UNUM to inquire about options.  For toll-free assistance outside annual enrollment, call 800-635-5597.

Visit the website below for information, forms and to enroll in these voluntary benefits.  

*Enrollment is started on the website below or via telephone. Paper follow-up forms may be required for some coverage types.* 

Available voluntary benefits include:

• Life Insurance

• Short Term Disability Coverage

• Long Term Disability Coverage

• Accident Insurance

Available Benefits Detail:

Long Term Disability Insurance

How would you pay your bills if you couldn’t work for an extended period of time? This coverage pays you a portion of your income when a covered long-term injury or illness keeps you from earning a paycheck.

If you are newly eligible (hired within the last year) for this benefit and apply during this enrollment, you can get coverage without a health exam or medical questions.  If you are outside of your initial eligibility period, you may enroll with coverage but are subject to medical underwriting approval from Unum. 

Learn more about Long Term Disability coverage:

Watch a video about this benefit.

Individual Short Term Disability Insurance

Your bills can add up quickly if you are unable to work for several weeks or more. This coverage pays you a portion of your income to help you keep up with your expenses while you're not getting a paycheck. And you can take it with you if you change jobs.

If you are newly eligible (hired within the last year) for this benefit and apply during this enrollment, you can get coverage without a health exam or medical questions.  If you are outside of your initial eligibility period, you may enroll with coverage but are subject to medical underwriting approval from Unum. 

Learn more about Individual Short Term Disability Insurance coverage:

Watch a video about this benefit.

Term Life Insurance and Accidental Death & Dismemberment (AD&D)

What would your loved ones do without you? Term Life Insurance is an affordable way to help them pay the bills if you die during your working years. They can use the money to help pay for housing and other expenses, including your final arrangements.

You can get coverage for yourself and your family members.  *A paper form is required to enroll in this benefit, and enrollments are limited to only the annual voluntary benefits open enrollment period each Spring.  Click here to obtain the form.*

If you are newly eligible (hired within the last year) for this benefit and apply during this enrollment, you can get coverage without a health exam or medical questions.  If you are outside of your initial eligibility period, you may enroll with coverage but are subject to medical underwriting approval from Unum. 

Learn more about Term Life coverage:

Watch a video about this benefit.

Whole Life Insurance

Whole Life is a great complement to Term Life Insurance, because you can keep it after you retire. The earlier you buy it, the lower your premiums. Not only can it help pay your final expenses, it can accumulate cash value you can use while you’re living.

You can get coverage for yourself and your family members.

If you are newly eligible (hired within the last year) for this benefit and apply during this enrollment, you can get coverage without a health exam or medical questions.  If you are outside of your initial eligibility period, you may enroll with coverage but are subject to medical underwriting approval from Unum. 

Learn more about Whole Life Insurance coverage:

Watch a video about this benefit.

Accident Insurance

If you are accidentally injured, this coverage can pay you money for more than 50 types of injuries, services and treatments. You can use this benefit to help cover expenses your health insurance doesn’t, like co-pays and deductibles.

You can get coverage for yourself and your family members.

Learn more about Accident Insurance coverage:

Watch a video about this benefit.

Unum reserves the right to cancel a specific line of coverage if Meridian’s overall enrollment falls below state mandated requirements.