Accidents can happen to anyone, at any time. Unum Accident Insurance can help you pay for expenses not covered by your medical insurance. It’s a convenient benefit that can give you and your family a little extra peace of mind, so make sure to enroll when it’s offered at work.
Even with good insurance, injuries can set your finances back in a big way. And when you’re hurt, the last thing you want to worry about is out-of-pocket expenses you’re not prepared to pay.
Accident Insurance can help, by paying benefits directly to you if you get treatment for a covered accident. That way, your injury doesn’t have to derail your financial security.
If you or covered family members are injured in a covered accident, Accident Insurance provides you a lump-sum amount to help take care of unexpected costs and protect your finances. Here’s how it works:
You can file claims online and easily track the status of your claim.
Accident Insurance can pay a benefit directly to you if you are injured and need treatment, whether you go to a physician’s office, urgent care center or the emergency room.
The amount of benefits you receive depends on the type of injury and the required treatment as determined by your physician, based on the plan offered to you by your employer. There is no lifetime or annual maximum payout.
The payments are made directly to you, and the money can be used to cover expenses such as co-pays, deductibles, personal bills and other costs that your medical plan doesn’t cover.
If you’ve enrolled in Unum benefits like Accident Insurance, you can log in to your account to file a claim, view the status of a claim, and provide updated claim information. If you don’t have an account, you can register here.
THESE POLICIES PROVIDE LIMITED BENEFITS.
Insureds in some states must be covered by comprehensive health insurance before applying for Accident 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.
Accident insurance is underwritten by: Unum Life Insurance Company of America, Portland, ME, Unum Insurance Company, Portland, ME, Provident Life and Casualty Insurance Company, Chattanooga, TN, and First Unum Life Insurance Company, Garden City, NY.
The base policies provide ACCIDENT 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.
IMPORTANT NOTICE. THE BASE POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
Policy forms marketed by the company vary by product and are too numerous to list in this advertisement, but a list can be provided upon request.
