We help millions of people gain affordable access to disability, life, accident, critical illness, dental and vision benefits through the workplace — benefits that help them protect their families, their finances and their futures. Workers and their families know we'll be there when they need us most. And employers of every size depend on us for comprehensive benefits solutions that attract and support the people who keep their business growing.
Whether our customers need communication and enrollment services, claims support, absence management or vocational rehabilitation services, we’ve been committed to benefits solutions that protect what’s important for more than 170 years.
Our products and services are available through our market-leading businesses, each laser-focused on providing the important protection employers and their employees want and need.
Unum US – A market leader in group and individual disability benefits in the U.S., one of the largest providers of group life and voluntary workplace benefits, and a growing dental and vision carrier.
Unum UK – The leading provider of group income protection and critical illness coverage in the U.K., as well as a provider of life and dental benefits.
Colonial Life – One of the leading providers of voluntary worksite benefits, including disability, life, accident, critical illness, cancer, hospitalization, dental and vision coverage in the U.S.
As a department manager for a large retailer, David Conner’s job included making sure the store’s warehouse was stocked with enough products to serve its customers. It’s a job he’d done for 25 years without incident, until 2015.
David was struck by a forklift and suffered a degloving injury to his foot, which occurs when the skin is separated from the underlying bones, muscles and tissues. Nearly a dozen procedures left David bed-ridden, in chronic pain and depressed. He had two options: more surgeries with unknown results or amputation.
“I didn’t hesitate — I decided to amputate,” he said. “I was immediately at peace with the decision, but my ordeal was far from over. I had to focus on how to walk again using the prosthetic equipment I needed to get back to my old way of life. There was a lot to worry about.”
David’s financial stability wasn’t one of those worries. Although he was out of work, David’s income was protected by his short and long term disability benefits. He also had dismemberment coverage and received a benefit after his accident.
“I owe everyone at Unum a lot of thanks,” David said. “There were so many things I didn’t know about my Unum coverage, and they took great care explaining everything to me. It was such a relief to know I’d have money coming in to pay my mortgage and take care of my family.”
David hasn’t looked back since he chose to amputate his foot. While not completely recovered, he’s now working again and has returned to his passion — surfing. He’s a member of Hawaii’s adaptive surf team and is a supporter of AccesSurf, which helps children and adults with disabilities enjoy the water.
Every dollar employers spend offering benefits like ours significantly reduces the need for government-funded support and the burden on taxpayers. Just as important, studies show employers who offer disability, critical illness, life, dental and vision insurance in their benefits packages have employees who are more committed and engaged.
Many employees in the U.S. and U.K. still lack access to affordable financial protection benefits. To help change that, we partner with policymakers and public and private institutions in both countries to find ways to help more people gain access to this critical protection.
In 2017, we continued to work with the U.S. Congressional Income Protection Benefits Caucus and the U.S. Bipartisan Policy Center. CEO Rick McKenney also participated in the Bipartisan Policy Center’s summit on Disability and Retirement Security – New Research & Next Steps. The event explored new research from the Employee Benefits Research Institute that demonstrates people with private disability insurance also tend to have less of a shortfall in retirement savings.
In the U.K., before the 2017 general election, Unum UK published a report recommending changes the government should make to drive adoption of group income protection and cover more workers.