Whois & Analysis for unum.com

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.

For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work.

It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD).

Statistics show that in the US a disabling accident occurs, on average, once every second.

In fact, nearly 18.5% of Americans are currently living with a disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.

Life insurance (or life assurance, especially in the Commonwealth of Nations), is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder).

Depending on the contract, other events such as terminal illness or critical illness can also trigger payment.

The policy holder typically pays a premium, either regularly or as one lump sum.

Other expenses (such as funeral expenses) can also be included in the benefits.

Insurance is a means of protection from financial loss.

It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.

An income tax is a tax imposed on individuals or entities (taxpayers) that varies with the income or profits (taxable income) of the taxpayer.

Details vary widely by jurisdiction.

Many jurisdictions refer to income tax on business entities as companies tax or corporate tax.

Partnerships generally are not taxed; rather, the partners are taxed on their share of partnership items.

Tax may be imposed by both a country and subdivisions.

Most jurisdictions exempt locally organized charitable organizations from tax.

Employment is a relationship between two parties, usually based on a contract where work is paid for, where one party, which may be a corporation, for profit, not-for-profit organization, co-operative or other entity is the employer and the other is the employee.

Employees work in return for payment, which may be in the form of an hourly wage, by piecework or an annual salary, depending on the type of work an employee does or which sector she or he is working in.

Employees in some fields or sectors may receive gratuities, bonus payment or stock options.

In some types of employment, employees may receive benefits in addition to payment.

Benefits can include health insurance, housing, disability insurance or use of a gym.

Employment is typically governed by employment laws or regulations or legal contracts.