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You can’t predict the future, but you can prepare for it.

We know that you work hard for the things that matter in your life. Benefits from Unum work just as hard to protect your income when you need it most. Our disability, accident, critical illness and life insurance benefits cover those costs that traditional health insurance doesn’t.

Did you know?

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66% of Americans would find it somewhat of very difficult to meet current financial obligations if their paycheck were delayed by one week.

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There is a 1 in 3 chance that an American worker will miss work up to six months during their lifetime.

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Only 38% of Americans would have enough savings to pay a $500 or $1000 unexpected expense.

Your questions, answered.

What is it?

What does it cover?

What will it pay?

Disability

What is it?

It’s a policy that pays a portion of your normal income if you can't work due to a covered health condition.

What is covered?

Disability plans cover things like childbirth, injuries and certain illnesses. Every disability plan has its own coverage policies, so it’s important to read up on the details.

What will it pay?

Typical disability policies pay between 50% - 70% of your salary, helping to pay the bills even when you can’t work.

Accident

What is it?

It's a policy that pays money directly to you if you get hurt and need medical care from a doctor or hospital.

What is covered?

Generally, it covers just about any injury, whether you're on vacation — or in your own back yard.

What will it pay?

The amount you receive depends on your injury and the treatment you receive, usually a set amount for specific covered injuries or care. There is no lifetime or annual maximum payout.

Life

What is it?

It’s a policy that pays a benefit to your loved ones if you die.

What is covered?

Some plans have exclusions for circumstances like suicide. See your HR representative for details specific to your plan.

What will it pay?

Life insurance payout varies significantly based on plan and income. Check out our easy-to-use Life Insurance Calculator to find out how much coverage is right for you

Critical Illness

What is it?

It’s a policy that pays a benefit directly to you if you experience a serious illness.

What is covered?

It covers only serious health conditions or medical events that are specified in the policy. These include conditions such as cancer, heart attack, or stroke.

What will it pay?

The amount depends on the kind of policy you have. Typical payments can range from $5,000 and $50,000, depending on the amount you select when you purchase your policy and the seriousness of your condition.

Hospital Indemnity

What is it?

It’s a policy that pays benefits directly to you to help cover the cost of hospital stays and certain related procedures and treatments.

What is covered?

It’s a policy that pays benefits directly to you to help cover the cost of hospital stays and certain related procedures and treatments.

What will it pay?

Unum’s hospital indemnity plan pays a cash benefit directly to you whenever you or your covered family members are admitted to the hospital. Benefit amounts are pre-determined, based on the type of incident or treatment you receive.

Dental

What is it?

It’s a policy that can help cover some of the cost of caring for your teeth.

What is covered?

Typically, dental insurance covers all or a portion of your cost for routine check-ups and preventive care. It usually covers some of the cost of more expensive services, such as fillings, root canals and other repairs.

What will it pay?

An insurance company typically can pay between 50%-80% of the fees for covered procedures. You would be responsible for any remaining costs.

Unum benefits are offered through your workplace. Ask your employer about Unum benefits today.