Unum

At Unum, we help millions of employees protect their families, their finances and their futures. Comprehensive coverages, superior technology and unparalleled support — delivered where and when it’s needed most.

Life Plan Highlights

Option of flat benefit or 1-2 times salary
Guaranteed Issue $50,000 maximum
Accelerated benefits up to 50% of the total life insurance benefit
Optional waiver of premium

LTD Plan Highlights

Own-occupation, residual, and partial definitions of disability
Benefits payable to age 65 or older for injury or illness
Work-life balance employee assistance program

STD Plan Highlights

Choice of 50-60% up to $1,000/week
Plan designs for groups as small as two employees
Choice of employer-paid, shared contributions, or employee paid

Accident Plan Highlights

All benefits are per accident
Hospital Short Stay- provides a benefit for hospital stays between 8 hrs and 20hrs
Tiered Durable Medical Equipment benefit and each tier is compensable per accident
Medical imaging is also tiered and each tier is compensable per accident
Broader pain management treatment along with injections for infection prevention

Critical Illness Plan Highlights

Simple plan options- $10,000 to $30,000
Covers over 28 different conditions Including Cancer upon diagnosis
Recurrence- 180 day separation (includes Cancer)
Breast Cancer is paid at 100% (beginning with Stage 0)
Guaranteed Issue for all initial open enrollments, new hires, late entrants, life events, etc