Individual Disability Insurance
LEARN HOW TO PROTECT MORE OF YOUR INCOME
Contact HFCB to learn more about your Individual Disability Insurance options.
Step 1:
What is disability insurance?
It's insurance - designed to help you replace a portion of your income if a covered illness or injury interrupts your ability to work.
Discover why Cognizant offers this benefit and how much coverage you currently have.
Step 2:
Apply for or decline one of your options to protect more of your income.
Customize your coverage to meet your personal financial security needs.
Get started!
Contact HFCB to request information about Individual Disability Insurance.
Phone: (800) 258-8429
Email: customerservice@hfcb.com
Cognizant and the Cognizant logo are trademarks of Cognizant Technology Solutions U.S. Corp., registered in many jurisdictions worldwide.
This resource guide is intended to be a summary to help you evaluate your Individual Disability Insurance (IDI) options. If there is a discrepancy between the descriptions in this resource guide and the insurance contract, the terms of the contract will govern.
Copyright 2023. All rights reserved.
Individual Disability Insurance
FAQs
Q. How do I apply?
A. You have a choice. Employees are given two opportunities to enroll with no medical underwriting. The first opportunity is within the first 30 days of employment, and the second opportunity is during the first annual enrollment held after your date of hire. If you decline coverage during these initial periods, you can apply at any time in the future by providing satisfactory medical evidence of insurability.
Q. When do benefit payments begin?
A. If your claim is approved, benefits would begin after the waiting period. Your plan’s waiting period is 180 days after your disability begins.
Q. What happens if I leave the United States while on claim?
A. You will not be required to remain in the United States to be eligible to receive a benefit for the full benefit period - if a covered disability occurs while you are employed by Cognizant and all related entities.
Q. How much do my options cost?
A. Premiums include a 25% discount and vary based on your age and amount of benefit.
This information is not intended to be a complete description of the insurance coverage available. The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form(s) Income Series 750 (in CA: Policy Form 675) or contact your Unum representative. IDI underwritten by: Provident Life and Accident Insurance Company, Chattanooga, TN; in NY, IDI underwritten by: Provident Life and Casualty Insurance Company, Chattanooga, TN. Not for use in New Mexico or Oregon.
FOR VA RESIDENTS: THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
For NY: This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 62.1%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.
An insurance producer may contact you.
Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.