Benefits portfolio

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Cushion the impact of out-of-pocket expenses with voluntary benefits

NEARLY

of U.S. workers could last 2 months or less without a paycheck if they couldn’t work — up 8% since 2020

of adults wouldn’t be able to pay for an unexpected $500 medical bill without going into debt

Are your employees worried about health care costs?

Many workers are stressed about rising out-of-pocket medical costs and their ability to pay for a sudden injury or illness. Offering voluntary benefits like accident, hospital and critical illness can help cushion the financial impact of multiple expenses, such as deductibles, coinsurance, travel costs and childcare, so your employees can focus on their care and recovery.

Life Insurance

Term Life Insurance covers employees’ working years to help families if they lose the employee’s income and offers high-benefit maximums and spouse and child coverage. Whole Life Insurance can continue after retirement and builds cash value that employees can borrow against.

Life Insurance

Hospital Insurance

Even one hospital stay could mean a financial setback from costs not covered by a medical plan. Hospital Insurance provides benefits that help offset these costs. Designed to complement most medical plans, this coverage offers a rich choice of employer-selected options.

Hospital Insurance

Disability Insurance

Disability Insurance provides a solid base of income protection for employees when they are unable to work due to a covered injury, illness or even childbirth. With benefits to help them keep their bills covered, employees can focus on getting well and returning to work.

Disability Insurance

Critical Illness Insurance

Health plans and disability insurance help employees in times of need, but this coverage can have gaps that lead to out-of-pocket expenses. Critical Illness Insurance offers added financial protection for employees in the event of a serious health issue, such as cancer or a heart attack.

Critical Illness Insurance

Accident Insurance

Accident Insurance can pay lump-sum benefits for a range of accidental injuries, from everyday mishaps to catastrophic events. And with multiple benefit level choices — including the ability to tailor benefit amounts — you can offer a plan that meets your objectives and your employees’ needs.

Accident Insurance

Select a benefit to learn more

Enhance your employees’ medical insurance with voluntary benefits that can strengthen their financial protection for life’s challenges. Because benefits are paid directly to your employee, they can be used to replace lost wages; cover out-of-pocket medical expenses; pay living expenses such as a mortgage or rent, groceries, childcare or other expenses.

Talk with your Unum representative to learn more.

Benefits

In the heat of urgent care, some employees may not remember all of their Unum voluntary benefits. But it only takes filing one claim to tap into all of their eligible benefits. Let’s take a look at Emily:

Provide employees with a seamless claims experience

Benefits for every workplace

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Survey results

Shot of young man having a discussion with co-worker

Shot of young woman having a discussion with co-worker

Benefits story

Source: KFF, Health Care Debt Survey, 2022.

Filing a claim shouldn’t be painful

Emily’s benefits story

Emily breaks her collar bone in a skiing accident and goes to the hospital. Emily knows she has short term disability with her employer, so a few days later she files a disability claim on Unum.com. While processing the claim, the representative sees she is also eligible for benefits with her Unum accident and hospital policies. The rep starts two more claims for Emily. Emily checks the status of her disability claim on the Unum mobile app and sees three claims pending. That’s when Emily remembers she had signed up for accident and hospital coverage. Within a few days of submitting her claim, Emily receives payment for three benefits. For illustrative purposes only.

Source: Unum, Survey of 1,000 full-time U.S. workers, November 2022.