There are two ways to turn liquid latex into the foam so prized for luxury mattresses: 1  Dunlop Latex: A historically older method, the Dunlop process is a simple construction process that can be achieved on-site with the right tools, rather than involving transport of the latex to a space-age laboratory.
Long-Term Disability - Voluntary Voluntary long-term disability insurance helps employers manage benefit costs and allows employees to buy benefits at work at group rates with the convenience of payroll deductions. Employee Choice lets employers create two different LTD designs. Employees select the design that meets their needs during enrollment.
The purpose of disability insurance is to provide money that replaces some or all of the income lost when an employee is unable to work due to a disability (e.g., an accident, illness or maternity leave, and whether short-term or long-term). Unum offers a variety of disability insurance forms:  1 Long-term disability pays a percentage of an individual's gross monthly salary if he or she can't work due to a covered injury or illness.  2 Short-term disability pays a percentage of the income if the policyholder misses work due to a covered injury, illness or maternity leave.