The long term policy picks up when the short term policy ends, so employees do not wind up “between plans” and face a gap in income. Net investment income was £19.9 million in the second quarter of 2020, a decrease of 40.6 percent from £33.5 million in the second quarter of 2019, due to lower miscellaneous investment incomeColonial Life reported a 7.7 percent increase in adjusted operating income to $90.9 million in the second quarter of 2020, compared to $84.4 million in the second quarter of 2019.

For the fastest answer to all your questions, reach out to us Offer better benefits for the people who keep your business growing.Connect your clients to powerful benefit solutions. Group short-term disability sales were $29.6 million in the second quarter of 2020, a decrease of 19.1 percent from $36.6 million in the second quarter of 2019. 45 0 obj <>/Filter/FlateDecode/ID[<206DAC8A31875447A80B102AE46A5A46><2C6637ED4B8F8F49AA235E42978C47B5>]/Index[22 49]/Info 21 0 R/Length 106/Prev 55890/Root 23 0 R/Size 71/Type/XRef/W[1 2 1]>>stream Long Term Disability Insurance can replace part of your income if a disability keeps you out of work for a long period of time. Benefits can last for up to several weeks. IDI provides additional protection for employees who earn higher incomes.Available with select Unum employee benefits plans, these services help your employees be even more prepared for challenges life might throw their way.Your employees may already have a lot on their minds — from finances to relationship issues. LTD benefits and premium amounts depend on an employee's monthly salary. The monthly benefit is reduced by other forms of income such as temporary disability insurance, workers’ compensation, retirement benefits (regardless of the type of retirement income), and Social Security benefits. Our investment focus is on investment income to support our insurance liabilities as opposed to the generation of realized investment gains or losses. We can work with you consultatively to build plans tailored to fit your needs at a price you can afford.We make administering group disability benefits fast and easy. Group short-term disability sales were $29.6 million in the second quarter of 2020, a decrease of 19.1 percent from $36.6 million in the second quarter of 2019. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Shares outstanding totaled 203.5 million at June 30, 2020. �5)��!�hZĚ]C�N�2��"��|:>i^�w����N�}ڷ��O�����o9[(=8$3�C����b���5g�GӼO��'�I8a�-�N���&f�VԽ���3��[͍��py�P�ԫn�q��p��s)�I�N��j�Z��ǝf�dC�\4q�S�����ƛt'ܷ�y�-,��>J18�v���OWz|���Y=�4N��[�+�S=_���v�i\m���©�mf#� Net investment income decreased 1.9 percent to $57.1 million in the second quarter of 2020, compared to $58.2 million in the second quarter of 2019, due to a decline in the yield on invested assets, partially offset by an increase in the level of invested assets. Persistency in the voluntary benefits product line was 73.0 percent for the first half of 2020, compared to 72.7 percent for the first half of 2019. Premium income for this line of business decreased 1.2 percent to $456.3 million in the second quarter of 2020, compared to $461.7 million in the second quarter of 2019, driven primarily by lower sales and persistency. Authorization for Third Party Group Long Term Care: CS-1237-NY: Authorization for Third Party Group Long Term Care - New York: TM-061: CA Group short term disability and long term disability sample contract: CL-1158: Claim - Long Term Care: CL-1158-NY: Claim - Long Term Care - New York: AE-1181 The benefit ratio for the dental and vision product line was 36.0 percent for the second quarter of 2020, compared to 71.6 percent for the second quarter of 2019, driven by lower claims incidence due to the impacts of COVID-19. When we represent someone, our law firm sends all records with a letter from an attorney in the firm to confirm receipt by UNUM. Net investment income for the segment decreased 3.9 percent to $176.9 million in the second quarter of 2020, compared to $184.1 million in the second quarter of 2019.Within the Unum US operating segment, the group disability line of business reported a 9.1 percent decrease in adjusted operating income to $76.0 million in the second quarter of 2020, compared to $83.6 million in the second quarter of 2019.

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