Travel Assist, and Life Planning Financial and Legal Resources; - Air Bag Benefit for AD&D; - Education Benefit; - Exposure and Disappearance Benefit; - Helmet Benefit; - Repatriation Benefit;
- Seatbelt(s) Benefit for AD&D; - Spouse Education Benefit; and - Waiver of Premium.
Ported Coverage Reductions Due to an Insured's Age
Any Insured's ported coverage will reduce at any time it would reduce for your Eligible Group if you had continued in Active Employment with your Employer; however, all coverage reductions will happen on your birthday for all Insureds.
Applying for Portability
If you choose to apply for portable coverage for yourself, coverage may also be ported for your Spouse and or Children. You must apply to port your, your Spouse and/or Children coverage within 31 days from the date of a Portability Event. The first premium payment for ported coverage is due at the time you submit your application. Applications for Portability are available from your Employer, from us, or online at services.unum.com . If your Spouse and Child were insured under the Group plan at the time of your Portability Event, and you chose not to enroll them when they were first eligible for ported coverage, you may not enroll your Spouse or Child at any time in the future. Once an application for portability has been received and approved, the Ported Coverage Effective Date for an Insured will be the day after coverage would have otherwise ended under the Employer's policy. An Insured's coverage cannot be increased above the amount in force at the time an Insured becomes eligible for port. You may decrease ported coverage for an Insured at any time. Ported coverage cannot be increased at any time for an Insured. Decreases in coverage will take effect on the date we process the change. Any decrease in ported coverage will not affect a Payable Claim that occurs prior to the decrease. If you choose to cancel ported coverage for you, your Spouse and your Children, coverage for all Insured's will end on the earlier of: - the first of the month following the date you provide notification to us; or - the last day of the period any required premium contributions are made. For you Otherwise, your ported coverage will end on the earliest of: - the date you fail to pay the required premium within 31 days of a premium due date; - the date coverage provided under Portability is cancelled by us upon 31 days of Written notice that we are canceling continuation of coverage under similar group policies issued in similar markets; - the first of the month following the date you reach age 75; or - the date you die. For your Spouse Your Spouse's ported coverage will end on the earliest of: - the date your ported coverage ends;
Ported Coverage Effective Date
Changes to Ported Coverage
End of Ported Coverage
UA-GTLPORT21
Portability of Group Life and Accidental Death and Dismemberment Insurance
(1/1/2025) 3
Unum Life Insurance Company of America
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