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Unum increases limit for small business cover


Unum, the disability insurer, has increased the proportion of income that can be covered using its Executive Income Replacement Plan by 5%.


The move is in response to the government's introduction of Employment and Support Allowance that has replaced State Incapacity Benefit for new claimants.


Previously the Executive Income Replacement Plan allowed small businesses to cover up to 75% of gross earnings for an individual director or employee, less the long-term state incapacity benefit for a single person.


Following the introduction of the new ESA, Unum has increased this maximum percentage to 80% of gross earnings and will not be taking into account any state benefits relating to incapacity.


Income protection: News update: November 2008


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