Accident Insurance

Additional financial support in times of need

Unum Accident Insurance can help your employees get back on their feet after an accidental injury. Our plans provide a lump-sum benefit to help them with expenses not covered by their medical insurance, such as co-pays, transportation costs and out-of-pocket fees.

Plan administrators: Manage online billing, update employee salary adjustments and terminations, and more through our secure website. Not yet registered?

Accidents can be costly — but you can help your employees cope

One in four U.S. workers says their household has less than $1,000 in savings.1 Without significant money in the bank, an accidental injury could put your team members under significant financial strain.

We help your employees protect their finances and get back to work after an accident. Our Accident Insurance plans can pay a lump-sum benefit directly to your employees when they or covered family members experience a covered injury.

Protection for employees

  • More than 50 common injuries and treatments are covered.
  • Employees have the freedom to use the lump-sum benefit however they choose.
  • The base plan is guaranteed issue, which means your employees are guaranteed coverage when they sign up during an enrollment event.

Ease and cost savings for you

  • Plan design options — including coverage for injuries on and/or off the job — can help you and your employees meet your financial objectives.
  • A variety of covered injuries and treatments that can be configured to meet multiple price points, meeting your employees where they are.
  • The coverage is HSA-compatible.
  • Annual benefit for routine examinations or other preventive testing encourages responsible health management.5
29 million people

suffer an injury severe enough that emergency department treatment is needed, each year.2

is the average cost of an emergency room visit in 2016 (up more than 31% from 2012).3

39% of Americans

would have enough savings to pay an unexpected expense of $1,000.4

Commonly asked questions about Unum Accident Insurance

Explore other ways to enhance your benefits program

Supplement your medical plan with Hospital and Critical Illness Insurance, to make your benefits package even more competitive.

1. PERSONAL SAVINGS IN THE U.S. Statista. Dec 2019.

2. Office of Disease Prevention, 2020 LHI Topics-Injury and Violence, 2020.

3. Health Care Cost Institute, 2016 Healthcare Cost and Utilization Report, 2018.

4., Most Americans Don’t Have Enough Savings to Cover a $1K Emergency, 2018.

5. This benefit is not available in all states.


Insureds in some states must be covered by comprehensive health insurance before applying for Accident insurance.

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. See the actual policy or your benefits representative for specific provisions and details of availability.

Individual coverage is underwritten by Provident Life and Accident Insurance company, Chattanooga, Tennessee. Group coverage is underwritten by Unum Life Insurance Company of America, Portland, Maine or Unum Insurance Company, Portland, Maine. In New Jersey, individual coverage is underwritten by Unum Life Insurance Company of America, Portland, Maine or Provident Life and Casualty Insurance Company, New York, New York.

The base policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

The expected benefit ratio for the individual accident policy is 50% percent. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.