UNUM

Get the best from both partners

Unum’s financial protection benefits can complement your health plan, to help employees create a financial safety net in the event of injury, illness or death. It’s a smart way for you to meet their financial protection needs — while keeping your benefits costs under control.

And through the Unum and ebenefit Marketplace partnership, adding new lines of Unum coverage may ease the cost of adopting the technology.

UNUM

Superior Benefit Solutions

Today, employee benefits are more important than ever before. With Unum and ebenefit Marketplace, you can offer additional financial protection benefits at a cost your company can afford. Together, we provide today’s most popular benefits, using the latest technology — for a seamless user experience.

Our platform works with Unum’s technology and expertise to streamline your benefits education and enrollment process. ebenefit Marketplace provides employees with one-stop shopping in a consumer oriented environment they’ll find comfortable and familiar — with 24/7 online access.

On the platform, coverage is presented to help employees understand how benefits work together:

  • Without ever leaving the ebenefit Marketplace site, employees can view and select options for each of the benefits you offer.
  • Your health coverage options are shown side-by-side with the Unum benefits that complement medical insurance, including Accident and Critical Illness Insurance.
  • Unum income protection benefits such as Disability and Life Insurance have their own section, too. These Unum benefits can help employees create a financial safety net for times of illness, injury or loss of life.
Simple benefits administration for you

For employers, ebenefit Marketplace provides a secure and virtually paperless benefits management system:

  • Automated services reduce manual effort and stretch HR capacity.
  • Essential reports help you manage benefits programs effectively.
  • All funding options can be accommodated — to help you achieve maximum return on your benefit spending.

They’re called accidents for a reason. They can come out of nowhere, causing inconvenience — and unexpected bills. Unum’s accident insurance can provide a lump-sum benefit to employees, so they have a financial cushion while they work to regain their health.

Provide the protection they need with accident coverage

While major medical can cover some of the costs related to an accident, employees are often left with extra out-of-pocket expenses. Accident coverage provides a payment directly to employees that they can use as they need. There are no calendar-year maximums, so employees can receive benefits for multiple accidents — even recurring ones — over the life of their policy. And since this coverage is funded by the employee, you can provide this valuable coverage at little or no cost to your company.

It also offers these convenient features:

Family coverage options — Provides an extra level of protection for spouses and children
Budget-friendly payroll deduction — Allows you to offer the benefit to employees with no extra billing
Wellness Benefit — Pays a cash benefit for select health screenings, which encourages a healthier workforce
Guaranteed issue — Enables employees to get coverage without answering health questions

Unum provides financial protection benefits that can help protect employees when the unexpected occurs. Our life, disability and supplemental health insurance can empower American workers to create a financial safety net for times of illness, injury or loss of life. For more information on Unum, check out Unum.com

Critical illnesses are on the rise and many employees are unprepared for the financial burden. A stroke, heart attack or cancer treatment can mean time away from work. In addition, out-of-pocket costs can cause a significant drain on an employee’s finances. Unum’s critical illness coverage provides extra financial protection — so employees can focus on getting better.

Offering critical illness coverage can show employees you care

Critical illness insurance can be a great complement to your current benefits plan — especially high-deductible health plans. It can provide a cash payment to help employees deal with the unexpected costs of a serious illness. Many critical illness plans also offer wellness benefits. When employees take an active role in their health, they are more likely to avoid the incidence of a serious illness.

It also offers these convenient features:

A single plan design option — You can provide consistent benefit messaging to employees across all locations
A choice of funding — Employee-paid, employer-paid or shared funding options help you meet budgetary needs
Easy integration with other Unum plans — One claim form triggers service for multiple Unum benefits, which helps reduce employer administration time
Budget-friendly payroll deduction — You can offer the benefit to employees without extra billing

Unum provides financial protection benefits that can help protect employees when the unexpected occurs. Our life, disability and supplemental health insurance can empower American workers to create a financial safety net for times of illness, injury or loss of life. For more information on Unum, check out Unum.com

The flexible, affordable Dental benefits employees are asking for.

Regular dental care is important to your employees. So they need plans with options that fit their unique needs. Unum Dental makes sure they get both — at little or no cost to you.

With nationwide coverage, every business can offer its employees the benefits of a healthy smile.

Offering quality dental care is a simple and affordable way to keep your employees happy and healthy.

Your employees know that maintaining good dental health now means they can likely avoid costly treatments later. Your company can help them protect their oral health at little or no cost to you. And with Unum Dental, you can enjoy:

  • The ability to align a Unum Dental plan with coverage you already offer
  • Flexible plan designs that emphasize prevention and wellness
  • Best-in-class customer service

 

Unum provides financial protection benefits that can help protect employees when the unexpected occurs. Our life, disability and supplemental health insurance can empower American workers to create a financial safety net for times of illness, injury or loss of life. For more information on Unum, check out Unum.com

An employees’ income is their most important financial asset. Many Americans have little to fall back on if an injury or illness prevents them from working. Disability insurance from Unum helps households stay afloat while employees recover.

Short Term Disability

This benefit pays a portion of an employee’s compensation for up to several weeks while they are out of work due to a covered injury, sickness or childbirth.

Long Term Disability

Long term disability typically begins where short term disability leaves off, providing benefits for illnesses or injuries that have longer recovery periods — from several months to several years.

Supplemental Individual Disability Insurance (IDI)

Individual disability insurance supplements long term disability insurance, providing an additional monthly benefit in the event of an illness or injury. This coverage is perfect for employees who earn higher incomes or rely on bonuses and commissions that might not be covered under traditional long term disability.

Unum provides financial protection benefits that can help protect employees when the unexpected occurs. Our life, disability and supplemental health insurance can empower American workers to create a financial safety net for times of illness, injury or loss of life. For more information on Unum, check out Unum.com

While many employees carry a basic term life plan, it may not be enough to provide the level of protection dependents need. As time goes on, families expand, expenses fluctuate — and financial responsibilities tend to grow. Unum offers a wide range of life insurance plans that can supplement your current coverage and offer more options to employees.

Provide life protection easily and affordably

Our life insurance benefits allow you to offer needed life protection while also meeting your company’s goals. Whether you choose employee-paid, employer-paid or shared funding plans, your employees will appreciate the opportunity to enhance their coverage since many employees do not have access to life coverage outside of work.

Life benefits:

Term life

Provides coverage during an employee’s working years with high benefit options and the ability to increase coverage at enrollment events. Employees can take the protection with them if they change jobs.

Whole life

Offers coverage that lasts through retirement and premiums that do not increase. Whole life can accumulate cash value, which employees can borrow from or use toward a paid-up policy at age 70 (no additional premium payments). A second option allows employees to pay smaller premiums through age 120.

Universal life

Also provides coverage that lasts through retirement. It offers flexible premiums and the ability to increase or decrease the benefit as employee needs change.

Life benefits may include these additional options:
  • Spouse and family coverage
  • A “living benefit” if a covered individual is diagnosed with a terminal illness
  • Accidental death & dismemberment
  • Long term care coverage
  • A waiver of premium benefit
  • Life Planning Financial & Legal Resources
  • A guaranteed issue amount, so employees can get a base level of coverage — and often increase the coverage amount later — with no health questions or physical exams

Unum provides financial protection benefits that can help protect employees when the unexpected occurs. Our life, disability and supplemental health insurance can empower American workers to create a financial safety net for times of illness, injury or loss of life. For more information on Unum, check out Unum.com

With the rising cost of health care, one trip to the hospital could cause a serious financial setback — given the deductibles, co-pays and out-of-pocket expenses. Group hospital indemnity coverage can help employees manage these unexpected costs, by providing lump-sum benefits for many of the things medical insurance may not cover.

Provide financial protection

Group hospital indemnity coverage is a cost-effective way to complement your total benefits offering. Every plan pays a hospital admission benefit from $500 to $5,000, depending on the coverage you choose. You can further enhance coverage with options like special benefits for surgical procedures or days in the hospital — even transportation and lodging. And because this coverage is employee paid, you can provide this benefit at little or no cost to your company.

Choose from three employer-elected plan design options:

  • Hospital admission
  • Hospital admission
  • Outpatient surgical procedure
  • Diagnostic procedure
  • Hospital admission
  • Outpatient surgical procedure
  • Inpatient surgical procedure
  • Diagnostic procedure
  • Transportation and lodging

Group hospital indemnity also offers these valuable features:

Single situs state

One plan design across multiple locations streamlines education and enrollment

Family coverage options

Spouses and children can be easily added to employee plans

Wellness Benefit

A cash benefit for select health screenings encourages individuals to be proactive about their well-being, which could lead to a healthier overall workforce

Guaranteed issue

Eligible employees can get coverage without answering health questions, for an easier enrollment process

Unum provides financial protection benefits that can help protect employees when the unexpected occurs. Our life, disability and supplemental health insurance can empower American workers to create a financial safety net for times of illness, injury or loss of life. For more information on Unum, check out Unum.com