Disability – Directors
 

Filing Your Claim 

In the event your Short-Term Disability is ending and you're not able to return to work, you may be eligible for benefits under the Long-Term Disability Plan. 

PROOF OF LOSS
We encourage you to notify us of a claim as soon as possible, so that a claim decision can be made in a timely manner. Telephonic notice as authorized by us or written notice of claim should be provided within 30 days after the date your disability begins. However, you must provide Unum written proof of your claim no later than 90 days after your elimination period. If it is not possible to give proof within 90 days, it must be given no later than 1 year after the time proof is otherwise required except in the absence of legal capacity.

Physical Examination
The Insurance Company may require that you undergo a physical examination within the 45-day period following the date that it receives your claim. This examination will be at the Insurance Company’s expense. During this 45-day period, the Insurance Company may also require that you provide any additional relevant information concerning your claim.

CONTINUING DISABILITY
The Insurance Company may request that you provide proof of your continuing disability (i.e., after your initial claim has been approved). This proof must be received within 45 days of the Insurance Company’s request. 

The Insurance Company may request your permission to obtain additional information to support your claim. If you deny this request (or if the information is not provided), the Insurance Company may deny your claim or terminate your disability benefit payments.

BENEFIT PAYMENT ADJUSTMENTS
Any overpayments or amounts paid in error with respect to STD Plan or LTD Plan coverage must be reimbursed by the recipient for the overpayment or amount paid in error. 

DENIED CLAIMS
You or your beneficiary can appeal a denied claim. The claim appeal procedures are described in the Administrative Information section of this Summary Plan Description (SPD).