Life Happens — Be Ready for the Curveballs
Sometimes life throws the unexpected our way. That’s where supplemental benefits can step in to help.
These plans are designed to give you extra financial support when you need it most — helping cover expenses that your regular health insurance may not. Think of it as an added safety net, so you can keep up with everyday bills while managing those surprise costs.
It’s one more way to give yourself (and your family) peace of mind, knowing you’re covered no matter what comes your way.
Voluntary Accident Insurance
Accidents can happen at any moment throughout the day, whether at work or at play. Most major medical insurance plans only pay a portion of the bills. Our policy can help pick up where other insurance leaves off and provide cash to cover the expenses. Our accident coverage helps offer peace of mind when an accidental injury occurs.
Who can get coverage?
You: If you’re actively at work*
Your spouse: Ages 17 and up
Your children: Dependent children from birth until their 26th birthday, regardless of marital or student status.
Video: Accident Insurance
Accident Insurance Flyer
Voluntary Critical Illness Insurance
The signs pointing to a critical illness are not always clear and may not be preventable, but our coverage can help offer financial protection in the event you are diagnosed. Unum Life Insurance Company of America group voluntary critical illness coverage provides a lump-sum cash benefit to help you cover the out-of-pocket expenses associated with a critical illness.
Who can get coverage?
You: Choose $10,000, $20,000 or $30,000 of coverage. Coverage is guaranteed up to $30,000 if you apply during this enrollment.
Your spouse: Spouses from age 17 and up can get $5,000, $10,000 or $15,000 of coverage during this enrollment. Coverage is guaranteed up to $15,000 with no medical questions as long as you have purchased coverage for yourself.
Your children: Dependent children from newborns to age 26 are automatically covered at no extra cost. Their coverage amount is 50% of yours. They are covered for all the same illnesses, plus these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. The diagnosis must occur after the child’s coverage effective date.
Video: Critical Illness Insurance
Critical Illness Insurance Flyer
Voluntary Hospital Indemnity Insurance
Hospital Insurance can pay you a benefit when you are admitted to the hospital for a covered injury or illness. It can help with out of pocket expenses medical insurance may not cover such as co-pays and deductibles. You decide how to spend the money. Coverage is also available for your spouse and children.
What’s included?
- $1,000 for each covered hospital admission – once per year
- $100 for each day of your covered hospital stay, up to 60 days – once per year
- $200 for each day you spend in intensive care, up to 15 days – once per year
Who Can Get Coverage?
You: If you’re actively at work
Your spouse: Ages 17 and up
Your children: Dependent children until their 26th birthday, regardless of marital or student status.
Hospital Insurance Flyer
Video: Hospital Indemnity Coverage
Whole Life Insurance
Can pay money to your family if you die. It can help them with basic living expenses, final arrangements, tuition and more.
How does it work?
You can keep Whole Life Insurance as long as you want. Once you’ve bought coverage, your cost won’t increase as you age. The benefit amount stays the same, too — it doesn’t decrease as you get older. That means you get protection during your working years and into retirement. Whole Life Insurance also builds cash value at a guaranteed rate of 3.75%.* You can borrow from that cash value, or you can buy a smaller, paid-up policy — with no more premiums due.
What’s included?
A “Living” Benefit you can request an early payout of your policy’s death benefit (up to $150,000 maximum) if you’re diagnosed with a terminal illness and expected to live 12 months or less. It can help cover your costs while you’re still alive. The payout would reduce the benefit that’s paid when you die. Long Term Care Rider You may be able to use your death benefit to pay for long term care. Subject to rider conditions. Contact UNUM on 855-938-1329 or www.unum.com for more information.
Who can get coverage?
You: You can purchase $2,000 – $200,000 in increments of $5,000 of coverage for yourself.
Your spouse: Individual coverage is Available for your spouse between the ages of 15 to 80, even if you don’t purchase coverage for yourself. If you leave your employer, you can keep this coverage and be billed at home. You can purchase $2,000 – $50,000 in increments of $5,000 of coverage for your spouse.
Your children: Individual coverage Your children can have individual coverage, even if you don’t get coverage for yourself. If you leave your employer, your children can keep their coverage. You can purchase a benefit amount of $5,000 – $25,000 in increments of $5,000 of coverage for each child.
Whole Life Insurance
