Unum LTD Certificate Booklet Group 1

TABLE OF CONTENTS BENEFITS AT A GLANCE.............................................................................................B@G-LTD-1 LONG TERM DISABILITY PLAN...................................................................................B@G-LTD-1 CLAIM INFORMATION..................................................................................................LTD-CLM-1 LONG TERM DISABILITY..............................................................................................LTD-CLM-1 GENERAL PROVISIONS...............................................................................................EMPLOYEE-1 LONG TERM DISABILITY..............................................................................................LTD-BEN-1 BENEFIT INFORMATION..............................................................................................LTD-BEN-1 OTHER BENEFIT FEATURES.......................................................................................LTD-OTR-1 OTHER SERVICES........................................................................................................SERVICES-1 GLOSSARY....................................................................................................................GLOSSARY-1

TOC-1 (1/1/2025)

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