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Unum -Teachers’ Income Replacement Plan

Unum

Teachers’ Income Replacement Plan

Type: Individual income protection plan for teachers

Minimum benefit/minimum premium: No minimum/£5 a month

Maximum benefit: 50% of earnings subject to a maximum of £400,000 a year

Minimum-maximum ages: 18-60

Minimum term: Five years

Deferred period: Variable to fit with the structure of local authority sick pay

Definition of disability: Own occupation

Options: Guaranteed or reviewable premiums, guaranteed insurability, premium waiver, Index-linking, increasing insurance option linked to teacher’s pay scale, cover while not in occupation, career break up to one year, worldwide cover

Commission: Subject to negotiation

Tel: 0800 783 3282


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