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Help@hand – The Health and Wellbeing App from Unum
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How Unum’s Dental Cover Work
 

Key Features

• Flexible commission (between 0 - 30% of annual premium paid monthly or annually)
• Increased Free Cover Levels on selected products
• 3-year rate guarantees 
• 5% discounts for payment by Direct Debit Mandate

Our products 

Group Income Protection (GIP): Provides a financial benefit and rehabilitation support if an employee is unable to work because of long-term illness or injury. Benefits are normally based on an employee’s earnings with options available to meet the employer’s specific needs and budget. And available at no additional cost to policyholders, Help@hand is Unum’s award-winning app, providing a total health and wellbeing solution with high quality, personalised services and everyday lifestyle assistance that make a real difference – all in one place.

Through our partnership with PMS we also offer Free Cover Levels up to £70,000 and initial lump sum payments of up to £3,000.

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Group Life Insurance: Provides employees with peace of mind and a tax-free lump sum to their loved ones in the event of their untimely death. There’s also access at no additional cost to a range of practical, everyday employee support services and integrated EAP via our Help@hand app, as well as Cancer Assist. Provided by cancer support experts Reframe, Cancer Assist offers Group Life policyholders in-the-moment guidance from an experienced team of client navigators who can help at any stage of the cancer journey.

And through our partnership with PMS we offer enhanced Free Cover Levels of up to £600,000, as well as access to our Registered and Excepted Master Trusts.

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Group Critical Illness cover: Provides employees with a tax-free lump sum after they, their spouse or partner (if covered) or children (up to the age of 18 or 21 if in full-time education) survive one of the defined medical conditions (such as stroke, heart attack or cancer) or undergo a surgical procedure covered under the policy and survives for 14 days.

Employers and employees also have access to a range of support services at no additional cost via our Help@hand app (with fully integrated EAP) and Unum's Cancer Pathway. This includes our Cancer Support Service provided by Reframe*, offering quick and easy access to personalised cancer support upon diagnosis, at no additional charge for insured employees.

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Dental cover: from Unum provides reimbursement towards the cost of both routine and complex procedures including cover for pre-existing conditions (except for mouth cancer) and provides worldwide cover. 

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Practical, everyday employee support – Help@hand at no additional cost for all Unum Group Income Protection, Critical Illness and Life Insurance policyholders

Highly valued health and wellbeing support, including:

• Unlimited mental health consultations¹
• Medical appointments — unlimited 24/7 remote GP appointments, physiotherapy and medical second opinions
• 360 Wellbeing Score — four short assessments to get key insights into employees’ wellbeing and unlock 1-2-1 lifestyle coaching
• A fully integrated Employee Assistance Programme (EAP) with a 24/7 helpline for support on emotional and practical issues
• Financial and legal guidance 
• Everyday savings and discounts²
• On-demand wellbeing content and resources
• 1-2-1 personal training and nutritional consultations³

¹ This service is suitable for mild to moderate issues. The number of sessions provided will be subject to clinical appropriateness. Should the service no longer be appropriate, you will be directed to alternative support.
² Provided by BenefitHub. BenefitHub Ltd is registered in England & Wales under company number 11109677 and has its registered office at 2nd Floor Regis House, 45 King William Street, London, United Kingdom, EC4R 9AN.
³ Exclusive to Group Income protection policyholders

Access to these services is facilitated by Unum at no additional cost to the Unum customer. Unum is not the provider of the services but can withdraw or change the services at any time. The services are entirely separate from any insurance policy provided by Unum and are subject to the terms and conditions of the relevant third-party specialists. There is no additional cost or increase in premium as a result of Unum making this benefit available.
 

Exclusive terms for PMS advisors:

PMS and Zenith panel members have access to the exclusive Unum Partnership Terms. These terms are only for our Group Income Protection, Life Insurance and Critical Illness products and have been designed for policies with 3 - 100 employee policies in mind.  

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Dedicated support from Unum:

Our dedicated team of Unum Consultants already work with PMS advisors across the country, helping to explain all of our products and services. Our consultants can also help with:

Joint client visits - Data driven market insight (including 'propensity to buy' modelling)

Marketing and pitching materials such as bespoke website copy, presentations and internal communications support

Simply email [email protected] and one of the team will be in contact at the earliest opportunity.

Excluded industries:

• Air crew
• Air traffic controllers
• Ambulance crew
• Dealing with asbestos, nuclear, explosive materials or firearms
• Entertainers
• Firefighters
• Forestry
• Mining
• Offshore
• Police or armed forces
• Professional sports people
• Ships crew
• Underground or underwater working