A critical illness is scary — and not just for medical reasons. It can also mean time without a paycheck and unexpected costs that health insurance doesn't cover.
Strengthen your benefits package with this valuable coverage, which can pay a lump-sum benefit directly to an employee who's diagnosed with one of several specified critical illnesses, such as a stroke, cancer or heart attack.
someone in America will have a coronary event.1
someone in America will have a stroke.1
have medical bill problems or are paying off medical debt.2
1 American Heart Association, Heart Disease and Stroke Statistics — 2019 Update: A Report from the American Heart Association, 2019.
2. PERSONAL SAVINGS IN THE U.S. Statista. Dec 2019.
THE POLICIES PROVIDE LIMITED BENEFITS.
Accident insurance is not approved in all states. Please check with your plan administrator for details.
Insureds in some states must be covered by comprehensive health insurance before applying for Specified critical illness insurance.
In New York and North Carolina, group coverage is referred to as specified disease insurance. In New York, individual coverage is referred to as specified disease insurance. The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations that may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.
Group Critical Illness is underwritten by Unum Life Insurance Company of America, Portland, Maine or Unum Insurance Company of America, Portland, Maine.
Individual Critical Illness is underwritten by Provident Life and Accident Insurance Company, Chattanooga, Tennessee.
In New York, coverage is underwritten by First Unum Life Insurance Company, New York, New York.
The policies provide limited benefit health 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 policy is policy is 60%. This ratio is the portion of future payments that the company expects to return as benefits when averaged over all people with this policy.