Originally Posted by
fumeevented
It ends.
WHEN DOES YOUR COVERAGE END?
Your coverage under the policy or a plan ends on the earliest of:
- the date the policy or a plan is cancelled;
- the date you no longer are in an eligible group;
- the date your eligible group is no longer covered;
- the date your coverage ends under the Employer-paid group long term disability insurance coverage provided under Unum Policy No. 422567-001;
- the last day of the period for which you made any required contributions; or
- the last day you are in active employment except as provided under the covered layoff or leave of absence provision.
Unum will provide coverage for a payable claim which occurs while you are covered under the policy or plan.
I believe coverage doesn't mean receiving. Of course no one is covered when no one is still employed. If you are already receiving benefits of the insurance you will continue to receive benefits dependant on the end of benefit conditions. I persoanlly was on LTD when a previous carrier went away and received benefits.