LONG TERM DISABILITY/SHORT TERM DISABILITY
THE FOLLOWING NOTICES AND CHANGES TO YOUR COVERAGE ARE REQUIRED BY CERTAIN STATES. PLEASE READ CAREFULLY. State variations apply and are subject to change. Consult your employer or plan administrator for the most current state provisions that may apply to you. If you have a complaint about your insurance you may contact Unum at 1-800-321- 3889, or the department of insurance in your state of residence. Links to the websites of each state department of insurance can be found at www.naic.org. Si usted tiene alguna queja acerca de su seguro puede comunicarse con Unum al 1- 800-321-3889, o al departamento de seguros de su estado de residencia. Puede encontrar enlaces a los sitios web de los departamentos de seguros de cada estado en www.naic.org. The states of Florida and Maryland require us to advise residents of those states that if your Certificate was issued in a jurisdiction other than the state in which you reside, it may not provide all of the benefits required by the laws of your residence state. Full effect will be given to your state's civil union, domestic partner and same sex marriage laws to the extent they apply to you under a group insurance policy issued in another state. If you are a resident of one of the states noted below, and the provisions referenced below appear in your Certificate in a form less favorable to you as an insured, they are amended as follows: ______________________________________________________________________ For residents of Colorado: The Pre-existing Condition exclusion in the OTHER FEATURES provision of the BENEFITS AT A GLANCE section of the policy is amended so that if the last number is greater than 12 months, it is reduced to 12 months and any Pre-existing Condition exclusion in the BENEFIT INFORMATION section of the policy is amended so that it will be applied only if the disability begins in the first 12 months after the insured's effective date of coverage for the applicable benefit, or such shorter time as provided in the policy. The WHAT DISABILITIES ARE NOT COVERED UNDER YOUR PLAN? provision in the BENEFIT INFORMATION section of the policy and in the SPOUSE DISABILITY BENEFIT provision in the OTHER BENEFIT FEATURES section of the policy is amended to provide that any exclusion for disabilities caused by, contributed to by, or resulting from your intentionally self-inflicted injuries will be applied only if you were sane when the injury was inflicted. For residents of Louisiana: The HOW CAN STATEMENTS IN YOUR APPLICATION FOR THIS COVERAGE BE USED? provision in the GENERAL PROVISIONS section of the policy is amended to provide that, except for fraud, misstatements made in your application cannot be used to reduce or deny coverage if your coverage has been in force for at least 3 years.
GDIS-STATEVAR-1 (1/1/2025)
28
Made with FlippingBook - Online Brochure Maker