How Does it Work?

Unum’s Accident Insurance helps covered employees and their families meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Lump sum benefits are paid directly to the employee based on the amount of coverage listed in the schedule of benefits. The accident base plan is guaranteed issue, so no health questions are required.

The amount of the benefit is based on the treatment, services or injury. You can receive benefits for an ambulance ride, use of the emergency room, surgery, anesthesia, stitches and casts.

  • You – if you’re actively at work
  • Your spouse
  • Your children – Dependent children until their 26th birthday, regardless of marital or student status

Employee must purchase coverage for themselves in order to purchase spouse or child coverage. Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage. Spouses and dependent children must reside in the United States to receive coverage. Certain states may have limitations.

Accident Monthly Employee Contributions

Accident
Employee$9.90
Employee + spouse $17.61
Employee + child(ren)$22.54
Family$30.25

Unum offers a yearly Be well Benefit to each covered person, in which you will receive $50 when you get an eligible screening. These screenings include but are not limited to: Cholesterol and Diabetes screenings, Cancer screenings, Cardiovascular function screenings, Annual Examinations by a physician, among others. Please visit unum.com to find the Be well claim form.

Accident Highlight

Unum

Ready to enroll?

Visit Workday, our enrollment site, to learn more and enroll in your benefits.