Unum Supplemental Health Benefits

Supplemental Health Benefits

Unum helps employees supplement medical coverage with portable benefits and biweekly payroll contributions.

Supplemental Health Benefits

Accident Coverage

Unum

Accident coverage through Unum provides benefits for you and your covered family member for expenses related to an accidental injury that occurs outside of work. Health insurance helps with medical expenses, but this coverage is an additional layer of protection that can help pay deductibles, copays and coinsurance.

What's included

You're guaranteed base coverage without answering health questions.
Be Well Benefit. Receive $50 every year for getting a covered Be Well screening test.
Employee must purchase coverage for themselves in order for their spouse and child to be covered.
You can keep your coverage if you change jobs or retire. You will be billed directly to your home.

Critical Illness Coverage

Unum

Critical Illness coverage through Unum pays a lump-sum benefit if you are diagnosed with a covered disease or condition. You can use this money however you like. Examples include helping pay for expenses not covered by your medical plan, lost wages, childcare, travel, home healthcare costs, or any of your regular household expenses. Premiums are based on the employee's age on the effective date of coverage. Even if the spouse is in a different age band, the rates are based on the employee's age. Children are covered at no additional cost when you elect employee coverage.

What's included

Employee must purchase coverage for themselves in order to purchase spouse or child (up to age 26) coverage. Employee - choose from $10,000 to $30,000 in increments of $5,000. Spouses - receive 100% of the employee coverage amount. Children - their coverage amount is 100% of your coverage amount.
Coverage is portable. You may take the coverage with you if you leave the company or retire. You will be billed directly to your home.

Hospital Indemnity Plan

Unum

Hospital Insurance coverage through Unum pays cash benefits directly to you if you are admitted to the hospital for a covered accident, illness or childbirth. The money can help you pay the out-of-pocket medical expenses your medical plan may not cover.

What's included

Every year, each family member who has Hospital coverage can also receive $50 for getting a covered Be Well screening test such as annual exams, wellchild visits, dental, and vision exams, preventive gender specific screenings, immunizations, etc.
The money is paid directly to you - not to a hospital or care provider. Employee must purchase coverage for themselves in order to purchase spouse or child (up to age 26) coverage. The benefits in this plan are compatible with a Health Savings Account (HSA).
You may take the coverage with you if you leave the company or retire, without having to answer new health questions. You will be billed directly from Unum.