For Lancaster General Health Employees
Get valuable financial
protection now
Lancaster General Health is offering disability benefits from Unum. Take a moment to learn how these benefits can help protect your finances when you need it most.
Your Enrollment dates are April 28th through May 11th. Enrollment can be completed in ADP.
Learn more about the offered benefits
The resources below will help guide you through the benefits Unum has to offer, as
well as important information to keep in mind while making your selections.
Short Term Disability Insurance
When you're unable to work due to a sickness or injury, this coverage can help replace a portion of your income temporarily if you become too sick or injured to work.
Click HERE for information on the Short Term Disability plan available for employees who are eligible for Employer-Paid Long Term Disability (FTE .8 or greater; LGMG and THG physicians FTE .5 or greater)
Click HERE for information on the Short Term Disability plan available for employees who are NOT eligible for Employer-Paid Long Term Disability (Less than FTE .8 or LGMG and THG physicians less than FTE .5)
Coordination of Unum STD Policy with LG Health Paid Time Off Policy
Things to consider when making your decision:
- LG Health provides short term disability (STD) accrual bank to all eligible employees. You can view the balance of this bank in Workday/time off.
- The voluntary Unum short term disability policy can be purchased to supplement your pay whole on medical leave for up to 12 weeks upon exhaustion of the LG Heath STD and Paid Time Off (PTO) accrual banks
- Remember that the LG Health leave policies require that you exhaust all of your STD and all but 40 hours of your Paid Time Off (PTO) banks before you can use this policy. This knowledge can help you decide between 14 day or 30 day elimination period. The elimination period is the amount of time that you would need to wait before using the Unum policy.
- If you didn't get coverage when you were first eligible, you'll have to answer health questions now.
- If you're newly eligible you may not have to answer health questions.
- If you already have coverage in the 30/30 EP plan, you can move to the 14/14 EP plan you will have to answer medical questions.
- New Coverage may be subject to pre-existing conditions limitations.
Also, a reminder for birth parents, the Unum policy will cover your medical leave but not bonding leave, Please review the LG Health Paid Parental leave for more information.
Pre-existing Conditions:
You have a pre-existing condition if:
- you received medical treatment, medical advice, care or services including diagnostic measures, or took prescribing drugs or medicines in the 3 month just prior to your effective date of coverage and
- the disability begins in the first 12 months after your effective date of coverage
How to file a claim
The fastest way to file a claim or leave is with our online system. Simply log in to your account to get started, check on the status of a previously filed claim or find answers to the common claim questions.
Apply for coverage between April 28th through May 11th
Enrollment can be competed in ADP.
Your HR representative can provide more information on the enrollment process.
Questions should be sent to:
LGH-Benefits@pennmedicine.upenn.edu
Disabilitymanagement@uphs.upenn.edu
Unum: 1-888-673-9940 (8am-8pm EST)
Unum insurance products are underwritten by Unum Life Insurance Company of America, Portland, Maine; Unum Insurance Company, Portland, Maine; Provident Life and Accident Insurance Company, Chattanooga, Tennessee; Starmount Life Insurance Company, Baton Rouge, Louisiana; First Unum Life Insurance Company, Garden City, New York; and Provident Life and Casualty Insurance Company, Chattanooga, Tennessee. See the actual policy or your Unum representative for specific provisions and details of availability. Policy forms marketed by the company are too numerous to list in the advertisement, but a list can be provided upon request.
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