2025 Benefits Guide- updated 10-20 - Flipbook - Page 24
Supplemental Critical Illness
UNUM Critical Illness insurance is offered as a voluntary benefit to supplement your regular
medical coverage. This insurance is designed to cover out-of-pocket expenses not covered by your
health insurance, such as your deductible and copays, as well as many out-of-network charges.
Illness can often lead to extended time away from work, and critical illness benefits can offset
some of those lost wages and help you pay routine living expenses such as child care,
transportation, and rent or mortgage payments. If you don’t want to risk draining your savings
because of medical bills and time away from work, critical illness insurance can protect you from
financial loss. Critical illness insurance provides coverage for acute illnesses that can be
financially catastrophic. Some of the illnesses that may be covered include the following:
Heart attack and stroke
Blindness
Major organ failure
End-state kidney failure
Benign Brain Tumor
Occupational HIV
Optional coverage available for Cancer and Carcinoma in situ
Coverage Type
Benefit
Employee
Choose from $5,000 to $50,000in increments of $1,000. Coverage is
guaranteed to $10,000 if applicable. You can get coverage up to $50,000, but
you may have to answer a medical questions.
Spouse
Spouses from age 17 to 64 can get from $5,000 to $30,000 in increments
of $1,000, as long as you have purchased coverage for yourself.
Child(ren)
Dependent children from newborns to age 26 are automatically covered at no
extra cost. Their coverage amount is 50% of yours. They are covered for all the
same illnesses, plus these specific childhood conditions: cerebral palsy, cleft lip
or palate, cysticfibrosis, Down syndrome, and spina bifida. The diagnosis must
occur after the child’s coverage effective date.
Please note, enrollment in the critical illness insurance is not completed in Greenshades, and is
only available during Open Enrollment. To enroll in, or make changes to current enrollments,
please reach out to UNUM here, or by phone at (866)-534-7087.
