Critical Illness Insurance

Sudden illness doesn’t have to cause sudden              financial problems

A serious illness can often mean unexpected expenses that aren’t covered by health insurance. Critical Illness Insurance can provide financial protection for employees while allowing them to focus on healing and getting back to work.

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

The value of Critical Illness Insurance

Critical Illness Insurance provides a way to strengthen your benefits package while also providing employees with greater security.

Rising deductibles and out-of-pocket costs mean it’s harder than ever for your employees to cover unexpected medical issues. Traditional medical plans provide a strong base for employee health, but critical illness can lead to time out of work and large expenses that health insurance doesn’t cover.

Critical Illness Insurance offers a lump-sum benefit that employees can use to cover the direct and indirect costs such as:

  • Deductibles and co-pays
  • Out-of-network treatment
  • Rehabilitation
  • Child care 

Supplement your employees’ health coverage

Critical Illness Insurance can be a great complement to your current benefits plan — especially high-deductible health plans. It can provide a benefit to help employees deal with the unexpected costs of a serious illness. Many critical illness plans also offer wellness benefits. When employees take an active role in their health, they are more likely to avoid the incidence of a serious illness.

Critical Illness Insurance offers convenient features:

  • A single plan design option — You can provide consistent benefit messaging to employees across all locations.
  • A choice of funding — Employee-paid, employer-paid or shared funding options help you meet budgetary needs.
  • Easy integration with other Unum plans — One claim form triggers service for multiple Unum benefits, which helps reduce employer administration time.
  • Budget-friendly payroll deduction — You can offer the benefit to employees without extra billing.

Commonly asked questions about Critical Illness Insurance

What Critical Illness Insurance plans are available?

Unum offers numerous individual and group Critical Illness Insurance policies. Several optional riders also are available. To learn more about the features and benefits of each one, contact your Unum representative.

What are the differences between individual or group plans?

An overview of individual vs. group policies:

Pros Cons
  • Employee-owned
  • Plans may be kept if employees change jobs
  • Guaranteed renewable in most states
  • No participation requirements
  • Rate stability, with no account-level rate increases
  • Stricter underwriting
  • Possible higher rates
  • Less rate flexibility
  • Employer-owned
  • Dependent coverage automatically included at 50% of the employee's coverage
  • Same benefits for multi-state accounts
  • Underwriting flexibility with guaranteed issue options
  • Flexibility of rates
  • Participation rate requirements
Where can employees find copies of their policy and update their contact information?

Employees can log in to their account to view their policy, update contact information and manage their plan. If they don’t have an account, they can register here.

Where can employees access information about premiums, payment dates and other billing information?


In New York and North Carolina, the 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 which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

Group critical illness: Underwritten by Unum Life Insurance Company of America, Portland, ME

Individual critical illness: Underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN

In New York, coverage is underwritten by First Unum Life Insurance Company, New York, NY 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.