Receiving Life Insurance Benefits

Filing a Claim

When you die, your Beneficiary, a relative or your executor must contact the Benefits Office to initiate the claim for life insurance benefits. A certified copy of the death certificate and a completed life insurance claim form will be required to file for benefits.

UNUM will provide notification of a determination on the initial application for benefits within a reasonable period of time, but not later than 45 days after receipt of the request. The initial 45-day period may be extended for up to 30 additional days. UNUM will provide notification of such delay prior to the expiration of the 45-day period.

For more information about claim denial and appeals, see the “Administrative Information” section of this summary.

While this Summary Plan Description summarizes the major provisions of this plan, it does not provide you with every plan detail. The plan documents, which govern this plan, provide full details. If there are any discrepancies between this Summary Plan Description and the legal plan documents, the legal plan documents control.