What is Unum?
Unum started in 1945 as an insurer for the auto industry. Today, we offer a broad range of life, accident and disability products in 48 states.
Section 2: How Much Does Unum Accident Insurance Cover?
Unum have two Unum Accident insurance products.
Unum Accident – This comprehensive policy will provide medical benefits, outpatient and inpatient hospital care, drugs, prosthetics, and other associated expenses.
– This comprehensive policy will provide medical benefits, outpatient and inpatient hospital care, drugs, prosthetics, and other associated expenses. Unum Super Agent – This plan is specifically designed for active individuals who do not have significant health insurance benefits from their employer.
Why should I get Unum Accident Insurance for my employees?
Unum Accident Insurance helps your employees get back on their feet after an accidental injury.
How much coverage do I need?
If you want to pick the coverage and the amount you want to pay, go to the Unum website. After selecting the different level of coverage, you can decide on whether you want to pay monthly premiums or over 12 months.
What are the differences between no-fault and contributory Unum insurance?
Some Unum companies provide their employees with an option to buy Unum no-fault or contributory Unum insurance. Unum no-fault policy offers a flat lump-sum benefit to a maximum of one million dollars for accidental injuries. It also helps cover costs in the time between the accident and the assessment. If the employee’s medical insurer does not agree to cover the costs, you are responsible for those costs.
With a contributory Unum insurance, the insurance company shares the costs with the employee.
How can I get a quote?
How much does Unum Accident Insurance cost?
Unum Accident Insurance is a deductible insurance plan. It’s more than just a life insurance policy. It’s a way to protect your employees if you are not there to pay for their health care. A deductible insurance plan pays the medical bills for you. It’s best if your employee receives benefits immediately.
Check out the chart below to see what an accident could cost you.
Knee Surgery* $250,000 Ankle Surgery* $100,000 Broken Leg $100,000 Fall Back Injury $150,000
*Estimate from injury consultants
What if I have multiple employees?
Your employees are covered if one is injured and one is not.
Unum offers a wide range of benefits to cover the needs of your employees, and can help them return to the office after a catastrophic injury. Unum accident insurance plans provide a lump-sum benefit that helps your employees recover quickly, but also provides a reduced death benefit, allowing your employees to pass on their benefits to their families if they pass away as a result of an accident.
For more information, visit https://www.unum.com/undisclosedinsurance/accident-insurance-benefits/