Accident Insurance
Accident insurance pay a one-time, lump-sum benefit amount that you can use in any way you like.
Accidents happen. You can’t always prevent them, but you can take steps to reduce the financial impact, which is often substantial. Accident Insurance can help cover the out-of-pocket medical expenses and extra bills that can follow an accident (on or off the job) by paying benefits for specific injuries and events resulting from a covered accident. The benefits paid under this plan do not replace or offset benefits paid by your medical plan.
This insurance through Unum pays you a specified amount for specific injuries resulting from a covered accident. These benefits are in addition to any health insurance benefits you may receive. You can use this money in any way you like, including to pay for medical deductibles, child care, housecleaning, groceries, utilities, etc.—any purpose that can help you meet your personal, financial or household needs. The total benefit you receive is based on the type of injury, its severity, and the medical services you received in treatment and recovery.
Plan Features
- Portable Coverage - You can take your policy with you if you change jobs or retire.
- Family Coverage - You can elect to cover your spouse and children.
- Guaranteed Issue - There are no health questions or physical exams required.
- 24/7 Coverage - Benefits are paid for accidents that occur on and off the job.
The plan pays benefits for a variety of injuries and accident-related expenses, including:
- Fractures and Dislocations
- Concussion
- Hospitalization
- Physical Therapy
- Emergency Room Treatment
- Transportation
It can help you with out-of-pocket costs that your medical plan doesn’t cover, like co-pays and deductibles. 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. You’ll be billed directly.
- You: If you’re actively at work*
- Your spouse: Can get coverage as long as you have purchased coverage for yourself.
- Your children: Dependent children from birth until their 26th birthday, regardless of marital or student status.
*Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage. See Schedule of benefits for a complete listing of what is covered.
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 sports physicals, well-child visits, dental and vision exams
- Screenings for cancer, including pap smear, colonoscopy
- Cardiovascular function screenings
- Screenings for cholesterol and diabetes
- Imaging studies, including chest X-ray, mammography
- Immunizations including HPV, MMR, tetanus, influenza
Organized Sports Benefit
Each family member that has Accident coverage is eligible for a 50% increase in payable benefits within the Injury and Treatment schedule of benefit categories. See disclosures and schedule of benefits for more information.
Your bi-weekly premium
Employee
- Bi-weekly Rates: $5.90
Employee + Spouse
- Bi-weekly Rates: $9.48
Employee + Children
- Bi-weekly Rates: $11.15
Employee + Family
- Bi-weekly Rates: $14.73
See the product brochure, certificate of coverage and any applicable riders for a list of covered accidents, along with complete provisions, exclusions and limitations.
The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable.
Accident Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
This plan is not a replacement for medical insurance.
If you elect coverage for your dependent children, you must provide notification to your employer when all of your dependent children exceed the dependent child age limit or no longer otherwise meet the definition of a dependent child.
If you elect coverage for your spouse, you must provide notification to your employer if your spouse no longer meets the definition of a spouse.
Unum
Important Note:
When you submit claim/leave on the Total Leave Employee Portal Unum will automatically search for additional coverage such as Accident, Critical Illness or Hospital that you may have. If coverage is found a claim will be set up for you.