UNUM Accident, Critical Illness, Hospitalization, Long Term Disability, Short Term Disability, Term Life and Whole Life Insurance

Accident Insurance

Unum’s accident policy helps cover your out-of-pocket expenses associated with an accidental injury and helps to protect you financially should an on- or off-the job accidental injury occur. Benefits correspond with treatment for on – and off-the job accidental injuries including hospitalization, emergency treatment, intensive care, fractures, and more.

Critical Illness Insurance

Unum’s critical illness insurance plan pays you a lump-sum benefit upon diagnosis of a covered critical illness or condition. Critical illness insurance can help lessen the financial impact to your family. The benefit you receive can be used to help pay out-of-pocket medical expenses like co-pays and deductibles. Some of the critical conditions covered are: heart attack, stroke, organ transplant, paralysis, and cancer. This plan also comes with a wellness benefit which pays you $50 each year for getting a basic health screen test.

Hospitalization Insurance

Unum’s hospitalization plan helps you and your family cope with the financial impacts of a hospitalization. You can receive benefits when you’re admitted to the hospital for a covered accident, illness, or childbirth. The money is paid directly to you – not to a hospital or care provider. The money can also help you pay the out-of-pocket expenses your medical plan may not cover, such as coinsurance, co-pays and deductibles

Long Term Disability

Long term disability benefits provides income protection at 60% of your basic monthly earnings not to exceed $5,000.00 per month. Long term coverage can be payable up to the age of 65, but not less than 5 years.

Short Term Disability

You are eligible for short-term disability if you are a full-time or part-time active employee working a minimum of 20 hours or more per week. Benefits are provided at 60% of your basic weekly earnings, to a maximum of $500.00 per week. Benefits are payable up to 13 weeks.

UNUM Term Life Insurance

UNUM provides life insurance coverage for your beneficiary(ies) by paying a benefit in the event of your demise. The amount of benefit is made available up to $500,000. Premiums are offered at a reasonable group rate. You may seek coverage if you are working at least 20 hours per week.

UNUM Accidental Death & Dismemberment Insurance

This accidental death and dismemberment insurance plan provides financial protection for your beneficiary(ies) by paying a benefit in the event of your death or for you and your dependents in the event of any other covered loss. The amount of benefit is made available up to $500,000. In addition, you can receive other various benefits that fall under the AD & D coverage. These benefits are as follows:

• Repatriation Benefit

• Seatbelts and Air Bag Benefit

• Education Benefit

UNUM Whole Life Insurance

UNUM provides individual whole life insurance coverage for you, your spouse, children and grandchildren by paying a benefit in the event of death. The amount of benefit is made available up to $125,000. Whole life insurance also earns interest, or “cash value,” at a guaranteed rate of 4.5%. Also, you may use your death benefit to pay for long term care.

Contact Information

Unum Disability, Life and Financial Protection Benefits 

Richmond Sales Office | 4801 Cox Road | Suite 102 | Glen Allen, VA 23060 | 800-421-0344 or 800-336.3969