Supplemental Health Benefits

UNUM

This accident with hospital coverage policy provides benefits paid directly to you as compensation for qualifying expenses related to covered accidents. It pays if you undergo testing, receive medical service, treatment, or care for any of the covered events defined in the group certificate, including hospitalization, emergency room treatment, outpatient surgery, occupational therapy and physical therapy. Coverage is also provided for Intensive Care Unit stays and rehabilitation.

UNUM

Hospital Indemnity insurance is designed to help provide financial protection if you are admitted to the hospital. Indemnity lump sum benefits are paid directly to you based on the amount of coverage. This benefit helps you pay for out-of-pocket expenses and extra bills that may occur.

UNUM

Critical Illness insurance is provided as a voluntary option to pay for expenses resulting from specific illnesses such as cancer, heart attack, stroke, coronary artery disease, kidney failure and Alzheimer’s disease. Partial benefits are paid for other defined conditions such as paralysis, ALS, dementia, and loss of speech, hearing or sight. You choose $15,000 or $30,000 in coverage with no medical underwriting to qualify if you apply during enrollment. Spouses can only get 100% of the employee coverage amount as long as you have purchased coverage for yourself. Children from birth to age 26 are automatically covered at no extra cost. Their coverage amount is 100% of yours.