What New Employees Should Know About Their Unum Insurance Benefits on Day One

Introduction

New job. New possibilities.
But between getting your email set up and remembering everyone’s name, it’s easy to skip over something crucial:

🛡️ Your Unum Insurance benefits.

Whether it’s life insurance, disability protection, or access to mental health support — Unum offers real-world protection you’ll actually use when life gets unpredictable.

Here’s what you, as a new employee, should know from day one.

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1. What Is Unum Insurance and Why Should You Care?

Unum provides:

• Life insurance to protect your loved ones
• Short-term disability in case you’re too sick or injured to work
• Long-term disability for serious medical situations
• Mental health and wellness support via EAP

💬 Translation? If life hits hard — you’re covered.

✅ These are not just extras. They’re financial protection plans that can literally save you from debt, stress, or worse.

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2. How to Enroll (It’s Super Simple)

You’ll usually be asked to sign up during:

• Your first week
• Orientation/onboarding
• A special enrollment window if you qualify

Unum’s system is:

• Online
• Quick (just a few minutes)
• Integrated with your company’s payroll

💡 Pro tip: Look out for a welcome email or portal link. If you don’t see it, ask HR — don’t miss the deadline!

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3. No Medical Exam? Yes, That’s Real

If you enroll now (as a new hire), you’ll likely qualify for guaranteed issue coverage:

• ✅ No health questions
• ✅ No doctor visits
• ✅ No exclusions for pre-existing conditions (up to a limit)

This is a one-time window — after it closes, you may need to go through medical underwriting to increase your coverage.

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4. Customize Based on Your Life Stage

Whether you’re:

• Single and just starting out
• Supporting a family
• Planning for the future

Unum lets you:

• Add voluntary life coverage
• Insure a spouse or child
• Choose the income level you want protected (for disability plans)

✅ One size doesn’t fit all — and with Unum, it doesn’t have to.

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5. Mental Health Support Is Built In

Need to talk to someone? Feeling overwhelmed?

Your Unum Employee Assistance Program (EAP) offers:

• Free, confidential therapy sessions
• Help with stress, grief, relationships, or anxiety
• Work-life tools like financial planning and legal advice

📱 Available 24/7 — no cost, no paperwork.

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6. You Can Take It With You (Portability)

If you ever leave the company, Unum often allows you to:

• Take your policy with you
• Convert it into an individual plan
• Keep coverage active without losing protection

That’s long-term security, not just while you’re here.

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7. You’ll Be Glad You Signed Up (When Life Happens)

It might seem like “just another benefit” now — but when you:

• Get injured
• Need surgery
• Experience loss in the family
• Take parental leave

…you’ll be glad Unum was there.

✅ The best time to prepare is before you need it.

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Final Thoughts

You’ve got a lot to think about as a new employee — but don’t overlook your insurance.

Unum Insurance offers fast, affordable protection that covers you when life gets hard.
It’s more than just paperwork — it’s peace of mind.

So take five minutes, log in, and set yourself up with real protection on day one.