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Message: [QUOTE="FightingIrish2012, post: 97549, member: 191"] Lol at that lol. Read the fine print if you think UNUM is guaranteed benefits. Lots of people think UNUM is another NATCA slush fund, that’s why they promote it so much. I don’t know for sure but I know a few people it worked out for and a few that said they were screwed by it. Plus I think you have to wait 90-120-180 days before those benefits kick in unless they changed that, so make sure you have enough sick leave to bridge that gap. That’s the catch, most people don’t ever get to activate UNUM even if they have it for a permissible illness as it’s rare to lose your medical for that long before it kicks in. Also read the definition of pre-existing conditions for UNUM. Basically anything that you were ever tested for or consulted a doctor about counts as a pre existing condition, even if you didn’t have it. And you thought Trump was put to screw pre existing condition people lol. [/QUOTE]