Disability Insurance
You hope never to be in a position where you can’t work — but if it happens, Unum’s Short Term Disability Insurance (STD) and Long Term Disability Insurance (LTD) can replace a portion of your income if you are unable to work due to a covered injury or illness. Download these forms to learn more about your benefits.
You can easily file a claim online or with the Unum Customer App. Simply log in to get started, check on the status of a previously filed claim or find answers to common claim questions. Enter your employer as IAMAW District Lodge 751.
You can learn more about filing a claim by downloading this helpful flyer.
You can also file a claim by calling us at 866-224-9402 during our operating hours and let us know you are a member of the IAMAW District Lodge 751.
Monday–Friday
8 a.m. to 8 p.m. ET
7 a.m. to 7 p.m. CT
5 a.m. to 5 p.m. PT
We help millions of people gain affordable access to voluntary benefits through the workplace — benefits that help them protect their families, their finances and their futures.
The maximum benefit period for Short Term Disability is 25 weeks. The maximum benefit period for Long Term Disability depends on your age as of the date of disability:
| Age at Disability | Maximum Period of Payment |
|---|---|
| Less than age 65 | 5 years |
| Age 65 through 68 | To age 70, but not less than 1 year |
| Age 69 + | 1 year |
The elimination period is the number of days that must pass between the first day of a covered disability and the day the benefits start to accrue. For example: Jenny’s Disability policy has a seven-day elimination period. Jenny broke her leg on October 1. She needed surgery and was scheduled to be out of work for several weeks. Her Disability benefits started on October 8.
Your elimination period for Short Term Disability is 7 days. The elimination period for Long Term Disability is 180 days.
Disability insurance is underwritten by Unum Life Insurance Company of America, Portland, Maine.
The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.