Unilever offers optional life, disability and AD&D insurance benefits to help provide balanced protection in the many facets of your life. These insurance benefits include company-paid basic life, AD&D, short term and long term disability insurance—with the option for you to purchase additional insurance. Any optional insurance you choose is paid through payroll deductions. Go to netbenefits.com/unilever for details.
Disability insurance
Unilever provides both short-term disability (STD) and long-term disability (LTD) coverage for income protection in case of a covered illness or injury. STD is fully paid by Unilever and covers you at a percentage of your pre-disability base pay. Basic LTD coverage is also fully paid by Unilever and covers you at 40% of your pre-disability base pay in the event you cannot work for a prolonged period of time because of illness or injury. You can also choose to increase your coverage to 60%, paying for the additional 20% of coverage through payroll deductions.
MetLife is our leave provider for Short Term Disability (STD) and Long-Term Disability (LTD) insurance. MetLife will also manage all of our disability claims and other leave of absence claims, including those that qualify under the Family and Medical Leave Act (FMLA), such as state leaves and company-sponsored leaves.
Click here to learn how to access your disability claims.
Please note: If you need to use the LTD coverage, the 40% portion of your benefit is taxable but the additional 20% portion is tax-free.
Your LTD coverage rates are based on your salary and age. To view the updated costs for 2025, log in to NetBenefits.
Life and accidental death & dismemberment (AD&D) insurance
Unilever provides company-paid basic life at two times your yearly base salary, or a flat $50,000 amount. Unilever also provides company-paid basic AD&D insurance at two times your yearly base salary. You can choose which level of coverage you wish to have. Please note: For basic life insurance, if two times your annualized base salary is greater than $50,000, you may be subject to imputed income. Read below to learn more about your life and AD&D options, or view this plan summary for more information.
Optional life insurance
You may select up to eight times your yearly base salary in optional life insurance. Your basic life plus optional life insurance cannot exceed $2.5 million. Evidence of Insurability (EOI) is required any time you make an increase to your coverage. If you want to increase coverage, or you are enrolling after previously opting out, you will need to provide EOI by completing a Statement of Health. Coverage will take effect on the date the EOI is approved.
Optional accidental death & dismemberment (AD&D) family plan
Unilever offers basic AD&D equal to 2x your annualized base salary at no cost to you. You can also choose to enroll in the AD&D Family Plan, which begins at 3x and goes to 6x your base salary. There is no dependent designation required to enroll in the Family plan; however, you must have an eligible dependent on file. Read this flyer to learn more.
