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Unum’s group accident insurance
can pay lump-sum benefits based
on an injury you receive and the
treatment you need, such as X-rays,
emergency room care and related
surgery. The benefit can help offset
the out-of-pocket expenses that medical insurance does not
pay, including deductibles and copays. You may apply for
enrollment or drop coverage at any time.
The list of covered injuries includes: broken bones, burns,
torn ligaments, cuts repaired by stitches, coma due to a
covered injury, eye injuries, ruptured discs and concussion.
Some covered expenses include: emergency room
treatment, outpatient surgery facility, doctor office visit,
hospitalization, occupational therapy, speech therapy,
physical therapy and chiropractic visits.
The schedule of benefits includes a full list of covered
injuries and expenses. Coverage begins on the first of the
month in which you have your first payroll deduction for
premiums.
Important information:
• This information is not intended to be a complete description of the insurance coverage available. 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. For complete details of coverage and
availability, please refer to the policy GA-1 or contact your Unum representative.
• Eligible employees must be actively at work when they apply for coverage. Being actively at work means that on the day you apply for coverage, you
are working at one of your company’s business locations, or you are working at a location where you are required to represent your company. If you
are applying for coverage on a day that is not one of your scheduled workdays, then you will be considered actively at work if you meet this definition
as of your last scheduled workday. You are not considered actively at work if you are on a leave of absence.
• Unum complies with state civil union and domestic partner laws when applicable.
• Underwritten by Unum Life Insurance Company of America, Portland, Maine.
THIS IS A LIMITED POLICY. ©2013 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its
insuring subsidiaries.
CE-13141 (9-13)
Plan Advantages:
• Coverage is available to all eligible employees who are actively at work*.
• You can buy coverage for your spouse or domestic partner and dependent children.
• There are no health questions to answer. If you apply, you automatically receive the base plan.
• Coverage is portable. You may take the coverage with you if you leave the company or retire without having to answer
new health questions. Unum will bill you directly for the same premium amount.
• This plan includes convenient payroll deduction, so you don’t have to remember to write a check for your premiums.
• A Catastrophic Benefit is included with this plan. This pays an additional sum if a covered individual has a serious injury
such as loss of sight, hearing or a limb.
* Eligible employees must be actively at work to apply for coverage; read below for more information.
Voluntary Benefits
continued
Voluntary Group Accident Insurance