Only 37% of Americans would have enough savings to pay an unexpected expense of around $1,000.¹ Without significant savings, an injury or covered illness — even after recovery — could put your team members under significant financial strain.

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

Flexible coverage options to fit your workplace

Every 10 minutes, over 750 Americans suffer an injury severe enough to seek medical help.² Accidents can come out of nowhere, so we make it simple for you to help your employees get the protection they need:

• Family coverage options provide an extra level of protection for spouses and children.
• Budget-friendly payroll deduction allows you to offer the benefit to employees with no extra billing.
• Wellness benefit can pay a benefit for select health screenings, which encourages a healthier workforce.
• Guaranteed issue enables employees to get coverage without answering health questions.
• Lump-sum accident benefit payout allows employees to use the money how and when they need.

Accident coverage is a valuable supplement to existing benefit plans

1. Bankrate.com, “Survey: How Americans Contend with Unexpected Expenses” (Jan. 6, 2016).
2. National Safety Council, “Injury Facts” (2017).

THESE POLICIES PROVIDE LIMITED BENEFITS
The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable.

Individual coverage underwritten by: Provident Life and Accident Insurance Company, Chattanooga, Tennessee

Group coverage underwritten by: Unum Life Insurance Company of America, Portland, Maine

In New York, coverage underwritten by: First Unum Life Insurance Company, New York, New York
The base policies provide ACCIDENT insurance only. They do 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%. This ratio is the portion of future payments that the company expects to return as benefits when averaged over all people with this policy.

IMPORTANT NOTICE – THE BASE POLICIES DO NOT PROVIDE COVERAGE FOR SICKNESS.