If you’re diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment. You can use the money however you want.
Benefit Basics
Health + Well-Being
Additional Benefits
Financial Well-Being
Payroll + Taxes
Employee Self Service
Critical Illness
Critical illness insurance (UNUM) provides financial support if you become seriously ill.
How You're Protected
Critical Illnesses
- Heart attack
- Stroke
- Major organ failure
- End-stage kidney failure
- Coronary artery disease
- Major (50%) coronary artery bypass graft, or valve replacement
- Minor (10%) balloon angioplasty, or stent placement
Cancer Conditions
- Invasive cancer (all breast cancer is considered invasive)
- Non-invasive cancer (25%)
- Skin cancer - $500
Progressive Diseases
- Amyotrophic Lateral Sclerosis (ALS)
- Dementia, including Alzheimer's disease
- Multiple Sclerosis (MS)
- Parkinson's Disease
- Functional loss
Supplemental Conditions
- Loss of sight, hearing, or speech
- Benign brain tumor
- Coma
- Permanent paralysis
- Occupational HIV, Hepatitis B, C, or D
- Paid at 25% - infectious diseases
Critical Illness Benefit
Every year, each family member who has Critical Illness coverage can also receive $50 for getting a covered Be Well Benefit screening test, such as:
- Annual exams by a physician including sports physicals, well-child visits, dental, and vision exams
- Screenings for cancer, including pap smear and colonoscopy
- Cardiovascular function screening
- Screening for cholesterol and diabetes
- Imaging studies, including chest X-rays, mammography
- Immunizations including HPV, MMR, tetanus, influenza
You own your policy and can take it with you if you leave the company, as long as premiums are paid on time. For more questions, you may contact Unum/Provident at (800) 635-5597 or visit www.unum.com.
Helpful Links
Looking for more information? Find it here!
Download Our Benefits Guidebook!
We're making benefits easy. Take a look at the United Family Guidebook on how to get started, step-by-step instructions, and FAQs.