Unum Plans Through CoPower At a Glance

Group Size: 2 -249

Coverage options for fewer than 10 eligible employees: $10,000, $15,000, $20,000 or $25,000

Coverage options for 10+ eligible employees: $10,000, $15,000, $20,000, $25,000, $50,000, $100,000 or $150,000

• All Guarantee Issue
• Portable
• EAP & Travel Assistance included
• Composite rate based on group sized
• Rate Guarantee: 24 Months
   

Group Size: 2 – 249

Coverage Options:

• 5X salary up to $250,00
• $10,000 increments for eligible employees
• Spouse & Child coverage

Guarantee Issue for fewer than 10 eligible employees: $10,000 (supplemental only)

Guarantee Issue for 10-49 eligible employees: $30,000

Guarantee Issue for 50-249 eligible employees: $80,000

• Guarantee Issue Protection
• Portable
• Age banded rates
• Rate Guarantee: Supplemental - 12 Months. Standalone - 3 Years
   

Group Size: 10-249

Coverage Options:

• 60% to $7,500/Month
• 2-year own occupation
• 90-day, 180-day, or 360-day elimination periods
• elimination period determined by the employer

Out-of-State: No limit to the number of out-of-state employees

Carve-Outs: Must be a defined class with a minimum of 10 enrolled per carve-out.

• Not portable
• Contribution: 100% employer-paid
• Participation: 100% of eligible employees
• Rate Guarantee: Two years from the inception date