UNUM GROUP

Insurance

Antitrust: - Issues related to the implementation of the McCarran Ferguson antitrust repeal for insurers: impact to employer-provided benefits, and supplemental and voluntary benefits insurance industry Climate Change: - Issues related to climate risk, investment, disclosures, and exposure specific to the financial services industry Dental: - Issues related to the provision and coverage of dental services, including non-covered services - Matters affecting the affordability of dental care - The application of antitrust laws with respect to the business of dental insurance Diversity and Inclusion: - Support legislation and regulation that would promote diversity and inclusion for our industry ERISA: - Issues related to regulation of employee benefits under the Employee Retirement Income Security Act and legislation impacting ERISA plans - Clarification of permissibility of default enrollment arrangements for group income protection insurance under ERISA and/or the Fair Labor Standards Act Federal Debt Limit: - Debt Limit Increase: impact on employer-sponsored financial protection benefits industry Financial Services Regulation: - Consumer Financial Protection Bureau Interim Final Rule of Records and Information: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry - Criteria and process for designating nonbank financial companies: provisions relating to employer-provided benefits, and supplemental and voluntary benefits industry Health Care: - Pending modifications associated with the Patient Protection and Affordable Care Act, including impacts to fixed indemnity products and other provisions relating to employer-provided benefits, and supplemental and voluntary benefits industry - Loss ratios: issues related to employer-provided benefits, and supplemental and voluntary benefits industry - Issues related to mental health parity and limitations specific to disability insurers; increased access to promoting mental health parity - Issues that impact paid leave and family medical leave - Issues that impact long-term care Infrastructure: - Issues relating to bond investment programs Labor: - Labor issues impacting large employers, including worker classification and amendments to the Fair Labor Standards Act - Disability insurance auto enrollment: provisions relating to employer-provided benefits, and supplemental and voluntary benefits industry Long-Term Care: - Issues related to public and private programs providing long term care services and insurance Privacy: - Privacy and data breach, cyber security and SSN protection Social Security: - Issues related to long term health and solvency Stop Loss: - Regulation of stop loss insurance and its effects on employer access to health insurance Tax Reform: - Corporate tax issues - Deficit reduction - Taxation of Employer Provided Benefits: impact to employer-provided benefits, and supplemental and voluntary benefits industry - Tax Extender Package Underwriting Risks: - Employee benefits post-COVID19 pandemic: impact to employer-provided benefits - Cannabis industry: provisions relating to providing employer-provided benefits - Proxy discrimination