Legal notices
By using this website and all others owned and maintained by Unum, you agree to the following terms and conditions so please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on our website. You are bound by any such revisions if you continue to use the website after we have posted the changes. We suggest that you periodically visit this page to review the most recent terms and conditions.

Privacy notices

To view our privacy practices, please read our Internet Privacy Policy.

To view our privacy notice pursuant to the Gramm-Leach-Bliley Act (GLB), please read Unum's GLB Privacy Notice. To find answers to commonly asked questions about our privacy practices, please read our GLB Privacy FAQ.

To view our privacy notice pursuant to the Health Insurance Portability and Accountability Act (HIPAA), please read Unum's HIPAA Privacy Notice (this is applicable to Long Term Care, Cancer Assistance, certain medical coverages and other health plans). And to find answers to commonly asked questions about HIPAA, please read our HIPAA FAQ's.

Products and services provided by Unum subsidiaries

Unum Group, through its various subsidiaries, provides insurance products and services in numerous countries. As used on this website, "Unum" refers to Unum Group and its insuring subsidiaries. Not all Unum companies do business in all jurisdictions and insurance products and services are not available in all jurisdictions. Insurance products and services are offered through the following Unum companies:

Colonial Life & Accident Insurance Company
Columbia, South Carolina
(all states, except New York)
National Association of Insurance Commissioners (NAIC) #0565-62049

The Paul Revere Life Insurance Company
Worcester, Massachusetts
(all states)
NAIC #0565-67598

Provident Life and Accident Insurance Company
Chattanooga, Tennessee
(all states, except New York)
NAIC #0565-68195

Provident Life and Casualty Insurance Company
Chattanooga, Tennessee
(New York only)
NAIC #0565-68209

First Unum Life Insurance Company
New York, New York
(New York only)
NAIC #0565-64297

Unum Life Insurance Company of America
Portland, Maine
(all states, except New York)
NAIC #0565-62235

Unum Limited
Insurance products and services offered in the United Kingdom and Europe

The information and descriptions regarding products contained on this website are intended as general information and are not necessarily complete descriptions of the products and services offered by Unum. As is the case with most insurance contracts, the policies described on this website have exclusions, limitations, reductions in benefits and terms under which they may be continued in force or discontinued.

Ownership/use of content

The information contained in this website is owned by Unum and is provided for your personal use and, except as otherwise expressly provided herein, may not be modified, copied, distributed, reproduced, republished, uploaded, downloaded, posted, transmitted or duplicated without the prior written consent of Unum.

Copyrights/trademarks

All trademarks, service marks, trade names, logos, icons and domain names located on this website are the property of Unum or others. Your use of any trademark, service mark, trade name, logo, icon and domain name displayed on this website without the written permission of Unum or the other owners is strictly prohibited.

This website contains software, photographs, graphics, text, images and other material (collectively "Material") that are protected by copyright law. All such Material also is copyrighted as a collective work under the copyright laws, and Unum owns a copyright in the selection, coordination, arrangement, and enhancement of such Material. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Material, in whole or in part. We grant you permission to electronically copy and print in hard copy portions of this website (and to download software made available on the website) solely for your personal use and in connection with conducting business with Unum. Otherwise, you may not reproduce or distribute in any way Material protected by copyright without obtaining the prior written permission of Unum.

Disclaimers

UNUM MAKES NO CLAIM, EXPRESS OR IMPLIED, ABOUT THE ACCURACY OR COMPLETENESS OF ANY OF THE CONTENT OR FUNCTIONS OF THIS WEBSITE (OR ANY LINKED WEBSITE), OR ABOUT ANY OF THE BENEFITS OR OPPORTUNITIES YOU MAY OBTAIN AT THIS WEBSITE. WE HEREBY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE CONTENT AND FUNCTIONS ARE PROVIDED "AS IS" AND "AS AVAILABLE". To the extent the law does not permit the disclaimer of warranties, all content and functions are warranted only to the extent allowed by law. In using this website, you agree that you will not hold Unum liable to you or any other party for any direct, indirect, special, consequential or other damages of any kind arising out of any use of this website (or any linked website).

Linking agreement

We invite you to link to our website unum.com. However, by linking to our website, you agree to the following:

  1. All material on this website is the sole property of Unum and is protected to the full extent of the law.
  2. You may not frame or use similar boundary control techniques to display the content of this website. Deep linking, that is linking to content appearing in files below the URL referenced above, is not permitted.
  3. Nothing in this agreement gives you any rights to the trade names, trademarks or service marks or other proprietary information of Unum.
  4. You will not disparage this website or Unum, or present our graphic link in any way which diminishes its good will.
  5. This is a simple linking agreement between two Internet websites that are independently owned and operated. Neither party is a publisher, distributor, agent, partner, franchiser or endorser of the other party's website, content or features.
  6. Unum retains the right to allow/disallow linking to this website by you and other third parties.
  7. Unum reserves the right to change the terms of this agreement or to modify any features of this website at any time.
  8. This website is provided "as is" and "as available".

Third party websites

Unum may provide links to third party websites. These links are offered for informational purposes only. Unum in no way endorses, sponsors or promotes these websites or the content of these websites.

Minors

Unum does not intend to solicit information from children or market its products or services to children through this website.

Forward-looking statements

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: Statements on this website regarding the business of Unum Group that are not historical facts are "forward-looking statements" that involve risks and uncertainties. These risks and uncertainties could cause actual results to differ materially from those contained in the forward-looking statements. For a discussion of the risks and uncertainties, please see Unum's latest annual report on Form 10-K and its most recent Form 10-Q filed with the Securities and Exchange Commission.

Security

Unum protects your privacy related to this website. All personal information in our computers is protected from unauthorized access by a secure firewall and database architecture. Information may only be accessed by personnel who have a legitimate business reason to access it. Some areas of this website use secure methods of Internet communication to exchange personal information with you.

Viruses

Unum assumes no responsibility, and will not be liable for, any damages to, or viruses that may infect, your computer equipment or other property caused by your access to, use of, or browsing of this website or your downloading of any materials, data, text, video, or audio from this website.

E-mail

E-mails that you send to us are not necessarily secure when they are transmitted to us. If your communication is very sensitive or includes highly confidential information such as a social security number or a credit card number, you may want to send it by regular mail or contact us directly.

Governing law

The laws of the United States and the State of Tennessee will govern the content and use of this website, without giving effect to conflict of law principles.

Unum controls this website from our offices within the United States. We make no representation that the content on our website is appropriate, legal or available for use in other locations. Those who choose to access the website from other locations do so on their own initiative and are responsible for compliance with applicable local laws. By registering for or entering this website, you consent and submit to the exclusive jurisdiction and venue of the state and federal courts located in the State of Tennessee.

Registration information

When you register for this website, you will be required to provide Unum certain information which may include your name, e-mail address, mailing address, zip code, country, user name and password. You agree to provide true, accurate, current and complete information about yourself on the registration form and to maintain and promptly update such account information. If you provide any untrue or inaccurate information, or if we have reasonable grounds to suspect that such information is untrue or inaccurate, we may suspend or terminate your account and refuse all current and future use by you of our website. You are responsible for maintaining the confidentiality of your user name and password. You shall be responsible for all uses of your registration, whether or not authorized by you. You agree to immediately notify Unum of any unauthorized use of your registration or password.

Compliance with export laws and regulations

United States export control laws regulate the export and re-export of technology originating in the United States. This includes the electronic transmission of information and software to foreign countries and to certain foreign nationals. You agree to abide by these laws and their regulations, including, but not limited to, the Export Administration Act and the Arms Export Control Act, and not to transfer, by electronic transmission or otherwise, any such technology derived from our website to either a foreign national or a foreign destination in violation of such laws.