Your claim file will be reviewed by one of Unum's rehabilitation professionals to determine if a rehabilitation program might help you return to gainful employment. As your file is reviewed, medical and vocational information will be analyzed to determine an appropriate return to work program. We will make the final determination of your eligibility for participation in the program. We will provide you with a written Rehabilitation and Return to Work Assistance plan developed specifically for you. The rehabilitation program may include, but is not limited to, the following services and benefits: - coordination with your Employer to assist you to return to work; - adaptive equipment or job accommodations to allow you to work; - vocational evaluation to determine how your disability may impact your employment options; - job placement services; - resume preparation; - job seeking skills training; or - education and retraining expenses for a new occupation. WHAT ADDITIONAL BENEFITS WILL UNUM PAY WHILE YOU PARTICIPATE IN A REHABILITATION AND RETURN TO WORK ASSISTANCE PROGRAM? We will pay an additional disability benefit of 10% of your gross disability payment to a maximum benefit of $1,000 per month. This benefit is not subject to policy provisions which would otherwise increase or reduce the benefit amount such as Deductible Sources of Income. However, the Total Benefit Cap will apply. In addition, we will make monthly payments to you for 3 months following the date your disability ends if we determine you are no longer disabled while: - you are participating in the Rehabilitation and Return to Work Assistance program; and - you are not able to find employment. This benefit payment may be paid in a lump sum. WHEN WILL REHABILITATION AND RETURN TO WORK ASSISTANCE BENEFITS END? Benefits for the Rehabilitation and Return to Work Assistance program will end on the earliest of the following dates: - the date Unum determines that you are no longer eligible to participate in Unum's Rehabilitation and Return to Work Assistance program; or - any other date on which monthly payments would stop in accordance with this plan.
LTD-OTR-3 (1/1/2025)
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