At Lewis & Clark College, we are committed to supporting the well-being of our employees. That’s why we provide paid Basic Life, Accidental Death & Dismemberment (AD&D), and Long-Term Disability insurance through Unum for all employees.
Unum’s Life Insurance provides financial support to your beneficiaries in the event of your passing, offering coverage that helps secure their financial future.
L&C offers coverage for each benefit-eligible employee at 1.5x their annual salary up to a maximum amount of $250,000.
This coverage is fully paid by Lewis & Clark, with no employee contribution necessary.
AD&D insurance from Unum provides financial support in the event of accidental death or severe injury, including loss of limbs, sight, hearing, or speech, offering coverage for both you and your loved ones.
L&C offers coverage for each benefit-eligible employee at 1.5x their annual salary.
This coverage is fully paid by Lewis & Clark, with no employee contribution necessary.
Unum’s Long-Term Disability (LTD) Insurance provides financial protection by replacing a portion of your income if you become unable to work due to a covered illness or injury. This benefit helps ensure financial stability during an extended period of disability.
This coverage is fully paid for by Lewis & Clark.
Coverage Details
Monthly Benefit: 60% of your monthly earnings, up to $10,000 per month.
Elimination Period: Benefits begin after 90 days of continuous disability.
Maximum Benefit Duration:
Benefits are paid until Social Security Normal Retirement Age if disability occurs before age 62.
If disability occurs at age 62 or later, benefits are paid for a set number of months based on age.
Additional Features
Rehabilitation & Return to Work Assistance: Extra support and benefits to help transition back to work.
Dependent Care Expense Benefit: Up to $350 per dependent per month (max $1,000/month) for childcare while participating in the return-to-work program.
Survivor Benefit: A lump sum payment of three months’ disability benefits to an eligible survivor if you pass away while receiving LTD benefits.
Important Limitations
Pre-Existing Condition Limitation: Disabilities caused by conditions treated in the 3 months before coverage starts may not be covered if disability occurs within the first 12 months of coverage.
Mental Health & Substance Abuse Limitation: Benefits for disabilities due to mental illness or substance abuse are generally limited to 24 months.
Additionally, you have the option to purchase extra coverage for yourself, as well as for your spouse and dependents, to ensure comprehensive protection for you and your loved ones.
Unum’s Optional Life Insurance provides financial support to you or your beneficiaries in the event of your passing, and also allows you to elect coverage for your spouse or children, offering peace of mind and financial assistance when it’s needed most.
These premiums are fully paid by the employee, and are deducted post-tax from your paycheck.
Important: Employee Coverage Required for Spouse/Child Coverage
You must elect Optional Life Insurance for yourself before you can enroll your spouse or child.
If you do not choose optional employee coverage, you cannot add coverage for your spouse or child.
Coverage Options
Employee Coverage:
Choose between $10,000 and $300,000 in $10,000 increments (up to 5 times earnings).
Spouse Coverage:
Up to $300,000 in $5,000 increments (cannot exceed employee’s coverage).
Guaranteed issue: Up to $25,000 with no health questions.
Child Coverage:
Up to $10,000 in $2,000 increments.
One policy covers all children until age 19 (or 26 if full-time students).
Maximum benefit for children under six months: $1,000.
Additional Features:
Living Benefit: Access up to 100% of life insurance (max $250,000) if diagnosed with a terminal illness (12 months or less to live).
Waiver of Premium: Premiums may be waived if totally disabled.
Portability: Coverage may continue if employment ends.
Coverage amounts reduce as you age:
At age 70: Coverage reduces to 65% of the original amount.
At age 75: Coverage reduces to 50% of the original amount.
Coverage cannot be increased after a reduction.
Guaranteed Issue Coverage for New Hires and Newly-Eligible Employees
Employee: Eligible for up to $100,000 in guaranteed coverage.
Spouse: Eligible for up to $25,000 in guaranteed coverage.
No Health Questions Required:
If you enroll in Optional Life Insurance during your initial benefits election, you do not need to provide Evidence of Insurability (EOI).
Evidence of Insurability (EOI) Requirement for Late Enrollment
If you do not enroll in Optional Life Insurance during your initial benefits election, you must complete an Evidence of Insurability (EOI) form.
Also known as a Unum Statement of Health, this form is required for any late enrollment.
How to Access the Form:
After signing up for the plan, the form will be available in Workday.
Find it under “Announcements” on your Workday home page after completing your benefits election.
An Evidence of Insurability (EOI) form from Unum is typically required when applying for additional life insurance coverage beyond the guaranteed issue amount. The form asks for basic personal information such as your name, contact details, and employment information, as well as the amount of coverage you’re requesting. It includes questions about your health history, such as any chronic conditions, past surgeries, or hospitalizations, along with information about medications you are currently taking. Lifestyle questions regarding smoking, alcohol use, or participation in high-risk activities may also be included. The form may request your height and weight to assess risk factors, and in some cases, it may ask for family medical history. Additionally, details about your primary care doctor and any specialists you’ve seen might be required. The purpose of the form is to help Unum assess your insurability and determine whether additional coverage can be provided based on your health status.
Unum’s Optional Accidental Death & Dismemberment (AD&D) Insurance provides financial support in the event of a covered accident, helping protect you and your loved ones from unexpected financial burdens. This coverage also allows you to elect protection for your spouse or children, ensuring additional security when it’s needed most.
Unum’s AD&D Insurance provides benefits for accidental death and serious injuries such as loss of a limb, eyesight, hearing, speech, paralysis, or severe burns. Coverage does not apply to illness-related injuries, self-inflicted harm, or incidents involving drugs, alcohol, or criminal activity.
These premiums are fully paid by the employee and are deducted post-tax from your paycheck.
Important: Employee Coverage Required for Spouse/Child Coverage
You must elect Optional AD&D Insurance for yourself before you can enroll your spouse or child.
If you do not choose optional employee coverage, you cannot add coverage for your spouse or child.
Coverage Options
Employee Coverage
Choose between $10,000 and $300,000 in $10,000 increments (up to 5 times earnings).
Spouse Coverage
Up to $300,000 in $5,000 increments (cannot exceed employee’s coverage).
Child Coverage
Up to $10,000 in $2,000 increments.
One policy covers all children until age 19 (or 26 if full-time students).
Maximum benefit for children under six months: $1,000.
Additional Features
No Health Questions Required: AD&D coverage does not require health exams or Evidence of Insurability (EOI).
Portability: Coverage may continue if employment ends.
Repatriation Benefit: Up to $5,000 for transportation of remains if death occurs 100+ miles from home.
Seatbelt & Airbag Benefit: Additional payout if death occurs in a car accident while properly restrained.
Education Benefit: Up to $6,000 per year for eligible children pursuing higher education (max $24,000).
Child Care Benefit: Up to $3,000 per year for dependent children under age 13 (max $12,000).
Coma Benefit: 1% of coverage per month, up to 100 months, for covered accidents leading to coma.
Accidents can happen anytime, anywhere – and Unum’s Group Accident Insurance helps provide financial support when they do. This coverage pays cash benefits directly to you based on the type of injury and treatment received, whether the accident happens on or off the job.
Key Takeaways
Covers a variety of accidents – from minor injuries to more serious incidents
Pays benefits directly to you to help cover out-of-pocket expenses like deductibles and co-pays
Includes a Be Well Benefit – get $50 annually for wellness screenings
No health questions required – base coverage is guaranteed
Portable coverage – take it with you if you change jobs or retire
Who’s Eligible?
Employees working at least 20 hours per week
Spouses and dependent children (up to age 26) can also be covered
How Much Does It Cost?
Affordable premiums conveniently deducted from your paycheck
Coverage starts as low as $11.09/month for individuals
A serious illness can come with unexpected costs, and Unum’s Critical Illness Insurance helps by providing a lump-sum payment when you’re diagnosed with a covered condition. This money goes directly to you and can be used however you choose—whether for medical expenses, household bills, or anything else.
Key Takeaways
Lump-sum cash payout upon diagnosis of a covered illness
Covers multiple conditions – including heart attack, stroke, cancer, organ failure, and more
Be Well Benefit – receive an annual payment for wellness screenings
No medical questions required if you enroll during the open period
Portable coverage – take it with you if you leave your job or retire
Who’s Eligible?
Employees can choose coverage amounts of $10,000, $20,000, or $30,000
Spouses can receive 50% of the employee’s coverage amount
Children are automatically covered at no extra cost for 50% of the employee’s amount, including coverage for childhood conditions like cerebral palsy and Down syndrome
Affordable & Convenient
Payroll deduction makes premium payments easy
Monthly premiums start as low as $3.24 for employees under 25
Coverage is renewable, even if your health status changes
You can elect voluntary coverage for any of the Unum plans at any time.
Guaranteed issue amounts are only available during your initial benefits election at Lewis & Clark. If you add optional insurance later, you must complete a Unum Statement of Health to show evidence of insurability.
After finalizing your elections in Workday, the Unum form will appear under Announcements on your Workday home page. Submit it promptly to activate your coverage—otherwise, premiums will still be deducted from your paycheck without insurance taking effect.
Step One (Employee):
In the Workday search bar enter “Change Benefits”
Select the “Change Benefits” task
Select “Optional Insurance” as the Change Reason
Enter today’s date as the Benefit Event Date
Click Submit > Done.
Step Two (Employee):
Navigate to your Workday Inbox
Click the Benefit Change task
Continue through all required screens, waiving/electing the benefit plan, coverage level, and removing/adding dependents and/or beneficiaries to match your elections.
***Note that in order to select your coverage levels and add dependents/beneficiaries, you will have to first select the plan, then click “Confirm and Continue” to move to the next page.
Check the I Agree box to provide an electronic signature confirming your changes.
Click Submit.
Click Done to complete the task or Print to launch a printable version of the summary for your records.
If you did not elect a beneficiary in Workday when you signed up for your insurance, you can go back in and add one at any time.
Step One (Employee):
In the Workday search bar enter “Change Benefits”
Select the “Change Benefits” task
Select “Change Life Insurance Beneficiary” as the Change Reason
Enter today’s date as the Benefit Event Date
Click Submit > Done.
Step Two (Employee):
Navigate to your Workday Inbox
Click the Benefit Change task
You will see your life insurance plans listed. Click on the one you’d like to edit, then click “Confirm and Continue” at the bottom of the page.
You will see two sections, one for primary and one for secondary beneficiaries. You are able to add one or multiple individuals in each section and assign them each a percentage of the benefit. All percentages must add up to 100 in each section.
Check the I Agree box to provide an electronic signature confirming your changes.
Click Submit.
Click Done to complete the task or Print to launch a printable version of the summary for your records.
