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You can apply to join this benefit annually before 25 August and your cover will be effective from 1 October. If you have recently joined NTU you can apply within the first two months of your employment. The cut-off date for requests is the 25th of each month; a clear calendar month is required between receipt of your request and the effective benefit start/amendment date (e.g. requests received before 25th November will be valid from 1st January with salary deductions commencing from January's pay).

You must register any children eligible for free cover on the benefit selection form, and include the details of your partner/spouse if you wish to purchase cover for them.

The cost is spread over 12 monthly instalments deducted from your net pay. You will not need to renew this benefit and instalments will continue unless you cancel your benefit or leave the University.

Cancellation and Amendment
If you wish to amend or cancel your cover you must notify us by submitting a request via a MyBenefits online form. Due to the nature of this benefit, cancellation or amendment is only possible if you experience a life event (examples below), or at the end of the policy year before 25 August. If your amendment is to add or remove a family member please use the MyBenefits online form to request this.

Life events include:

  • Birth or adoption of child
  • Marriage or civil partnership
  • Divorce or dissolution of civil partnership
  • Death of spouse, partner or dependent child

If you are leaving NTU cancellation will be effective from the last day of your employment.

Cover Levels
Cover is bought in units providing £10,000 of cover per unit. The minimum level of cover available is £10,000, and the maximum is 4 x your annual salary (up to a maximum of £500,000). Your partner/spouse can obtain cover equal to, or less than, your cover level, up to a maximum of £100,000.

Claims Procedure
You must notify us as soon as possible in the event of a diagnosis, ideally within 21 days, and we will obtain a claim form on your behalf. Unum will not process claims received more than 90 days after the event/diagnosis. Please contact us on 0115 848 4700 or by email if you wish to make a claim.

Please refer to the policy documents for further information relating to this insurance cover, or contact Unum on 0845 607 5812 quoting group number 390161.

Please contact us with any queries about applying for, amending or cancelling this benefit.