Is Unum a covered entity?
Unum is a Health Plan, but only when conducting business activities for certain of its products called “covered products.” The majority of Unum’s products are exempt from HIPAA mandates. For example, Long Term Disability (fully insured and self insured), Short Term Disability (fully insured and self insured), Life and Accident coverages are all excluded. Products that are “covered products” include Long Term Care (group and individual) and Cancer Assistance from the Voluntary Workplace Benefits portfolio.
