How do LTD survivor benefits work?
If an employee has been disabled for at least 180 days, is receiving long-term disability benefits, and dies, Unum pays a benefit to the survivors to help support them with immediate costs associated with the loss of the employee’s income. This benefit is equal to three times an employee’s gross monthly LTD benefit and is payable first to the spouse, then to any children under age 25, and then to the estate in the absence of a spouse or children.
