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Eligibility
If your Total Annual Cash Compensation (TACC) is:
  • $480,000 or more and you elect the 50% option under Group LTD coverage; or
  • $400,000 or more and you elect the 60% option; or
  • you elect no coverage under Group LTD coverage but want to elect IDI, then
you have the choice to purchase additional LTD coverage under fully portable Individual Disability Insurance. Unum is the claims administrator for IDI.
If you are disabled under the terms of the coverage, IDI benefits would provide:
  • Replacement of 50% of TACC from $480,000 to $840,000, to a maximum monthly benefit of $15,000 – as long as you elected coverage under Group LTD coverage; or
  • Replacement of 60% of TACC from $400,000 to $700,000, to a maximum monthly benefit of $15,000.