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Insurance Programs >> Short & Long Term Disablity

                                      

AeA Short & Long Term Disability Insurance Programs

Insurance Programs II Contact Us

The AeA Long & Short Term Disability Insurance Programs enable you to control the cost associated with having staff absent from work while, at the same time, being compassionate and protecting your employees’ financial well-being.

Attention AeA members! Take advantage of exclusive discounted rates and plan features, including underwriting considerations for companies with three to nine employees. For more information about this program, please contact Tiffany Barrett at 202.682.4459.

AeAHealth! Long Term Disability:

  • Two plans available depending on employee size 
  • Own occupation protection
    (for groups with 10 or more eligible employees)
  • Variable monthly maximums
  • Supplemental income protection up to 80% of salary for severe injury or illness, with AeA Disability Plus® Rider.

  • Variable elimination period all with zero day residual
  • Guarantee issue coverage
  • Cost containment features
  • Assist America® Travel Assistance Services at no additional cost
  • Benefits are payable to age 67
    (for groups with 10 or more eligible employees)

AeAHealth! Short Term Disability:

  • Two plans based on company size
  • Own occupation protection 
  • Variable monthly maximums
  • Variable elimination period
  • Guarantee issue coverage

 

Plan Features

All plans offered include the following benefits:

  •  Social Security Advocacy Program For an employee receiving monthly payments from Unum, advice regarding a social security claim and appeal can be provided. An employee can receive assistance in finding the appropriate legal representation, obtaining medical and vocational evidence.   

The World's Largest Private Disability Database Second to the Social Security administration's database, this database can anticipate disability trends before they happen, leading to less cost volatility and innovative plan design.

 

  • Integrated Claims Management Services Using the Unum Disability Risk Continuum© the employer's cost for insurance is controlled while the employees claim is managed from the onset.  Vocational Experts, Benefits Specialists and Physicians all review the claim to ensure that proper information is provided to adjudicate the claim and also to direct the claim upon receipt to the proper unit if special expertise is needed.
     

  • Access Toll Free AeA's Dedicated Member Services Line For questions regarding benefits for current AeA/Unum members, call 800.421.0344.

Rehabilitation and Vocational Specialists Rehabilitation coordinators work with the employer employee health care provider and rehabilitation specialists.  Job placement services, aids with resume preparation and retaining services are available for the disabled employee.  Unum has one of the lowest ratio of open claims to disability specialist in the industry, so disabled employees get additional attention.
  • Work Site Modification A Unum professional is available to work with the employee to identify possible adaptations to the worksite that may help the employee remain at or return to work.  You can receive additional money for modification to the worksite.
     

  • A Dedicated Network of Benefits Consultants We work with regionally based Marsh Advantage America benefits consultants trained to represent the AeA program. 

About UNUM

The subsidiaries of UnumProvident Corporation offer a comprehensive, integrated portfolio of products and services backed by industry-leading return-to-work resources and disability expertise.  Marketing under the Unum brand, they are the world leader in income protection.  They bring 150 years of experience to our work in creating innovative solutions that protect the rewards of our customers' hard work: their paychecks, assets, and lifestyles.  Providing more than $3.7 billion in disability benefits last year alone, UNUM strives to continue helping your employees return to work.
 
Contact Us
For more information about this program, please contact Tiffany Barrett at 202.682.4459.

Interested in insurance programs? Make sure you're included on mailing lists to receive special offers by updating your interests at www.aeanet.org/updatepip

 
Related Information
 

This page was last updated on 11/08/07.  
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