Accident Insurance
Accident insurance provides a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious events.
Unum can help you with out-of-pocket costs that your medical plan doesn’t cover, like copays and deductibles. You’ll have base coverage without medical underwriting. You’ll have base coverage without medical underwriting. The cost is conveniently deducted from your paycheck. You can keep your coverage if you change jobs or retire.
How does the plan work?
Benefits may be payable for:
- Initial treatment
- Emergency room visit
- Hospitalization Admission (per occurrence)
- Hospitalization Confinement (per day)
- Follow up care
Covered injuries may include:
- Broken bones
- Burns
- Torn ligaments
- And more! See summary for full details.
Be Well Benefit
Every year, each family member who has accident coverage can also receive $50 for getting a covered Be Well screening test, such as:
- Annual exams by a physician include sport physicals, well-child visits, dental and vision exams
- Screenings for cancer, including pap smear, colonoscopy
- Cardiovascular function screenings
- Screenings for cholesterol and diabetes
- Imagining studies, including chest X-ray, mammography
- Immunizations including HPV, MMR, tetanus, influenza
View the Plan Documents on this page to find instructions on how to file your Be Well claim.
Organized Sports Benefit
Each family member that has Accident coverage is eligible for a 10% increase in payable benefits within the injury and treatment schedule of benefit categories. See disclosures and schedule of benefits for more information.
