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Accident Insurance

Additional financial support in times of need

Unum Accident Insurance can help your employees get back on their feet after an accidental injury. Our plans provide a valuable benefit to help them with expenses not covered by their medical insurance, such as co-pays, transportation costs and out-of-pocket fees.

Accidents can be costly — but you can help your employees cope

An accidental injury could put your employees under significant financial strain. We can help them protect their finances after an accident. Our Accident Insurance plans can pay a benefit directly to your employees when they or covered family members experience a covered injury.

How it works

Ease and cost savings for you

  • Plan design options — including coverage for injuries on and/or off the job — can help your employees meet their financial objectives.
  • A variety of covered injuries and treatments that can be configured to meet multiple price points.
  • All plans are HSA-compatible.
  • Annual wellness benefit for routine examinations or other preventive testing encourages responsible health management.1
  • Several new benefit provisions2 are available, including Organized Sports benefit (for all insured people), Behavioral Health Therapy, Pet Boarding, Personal Safety benefit and a Building benefit (increases the value of coverage the longer it is in force).

Protection for employees

  • More than 100 common injuries and treatments are covered.
  • Employees have the freedom to use the benefit however they choose.
  • The plan has no medical underwriting to qualify for coverage when your employees sign up during an enrollment event.

Commonly asked questions about Unum Accident Insurance

With 175 years of employee benefits focus and expertise, Unum has a proven track record of helping companies across the nation offer the best benefits to their employees. We serve 57% of Fortune 100 companies or their subsidiaries and affiliates, protecting 36 million employees and their families.3

The amount of benefits your employees receive depends on the plan design selected, the type of injury and the required treatment as determined by a physician.

The payments are made directly to your employees, so they can use the money however they need, whether it’s to cover co-pays, deductibles or personal expenses that their medical plan doesn’t cover.

Yes. Payments for accidental injuries are based on a schedule of benefits that is the same for all enrolled employees, regardless of their income or fees incurred for medical treatment.

No medical underwriting is necessary for eligible employees to qualify for coverage.

Unum can integrate with HR information systems to provide real-time data.

1. This benefit is not available in all states.

2. Benefits are not available in all states.

3. Fortune 500 2022; Unum internal data, 2022.

THESE POLICIES PROVIDE LIMITED BENEFITS

This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for accident insurance.

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your benefits representative for specific provisions and details of availability. Applicable to policy forms GA-1, GAP16-1, GAP16-1-NJ, and GAP16-1-NY, GAC16-1, GAC16-2-IL, GAC16-2, GAC16-3-NH, GAC16-2-OH, GAC16-2-UT.

Underwritten by Unum Life Insurance Company of America, Portland, ME or Unum Insurance Company, Portland, ME.

In New York underwritten by First Unum Life Insurance Company, Garden City, New York or in New York and New Jersey underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.

This advertisement has not been approved in New Mexico, Oregon, and Washington.

The base policy provides ACCIDENT insurance only. It does 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.

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

You may be contacted by an insurance producer.

Digital solutions make administration quick and easy

Our simple digital claims app streamlines administration for employers while making it easy for employees to enroll, make claims and get support. Keep your workforce healthy, happy and productive with Accident Insurance.