Group Income Protection

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 Paradigm, we also offer non-medical limits up to £70,000 and 3-year rate guarantees on Group Income Protection policies.

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Practical, everyday employee support – Help@hand at no additional cost for all Unum Group Income Protection 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.

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Further information

We have a dedicated team of Business Development Consultants to support Paradigm members across the country with building and developing their Employee Benefits portfolio.

Our Consultants have a wealth of experience to help support Paradigm members with joint client meetings, data driven market insight, tailored marketing/pitching materials and general conversations about products and services.

Please email [email protected] for any questions or to be put in touch with your local Unum Consultant.

Unum is not authorised to give advice. The material contained in this page applies only to Unum and its products. Whilst we have taken all reasonable steps to ensure that the information within this page is accurate and up to date, we cannot accept liability for any error or omissions. Terms and conditions apply.

Unum Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.