Employee Benefits

Disability Coverage:

You do so much for people, and they rely on you. Imagine how life would change if an injury or illness were to get in the way. A simple injury could result in time away from work without pay. Disability insurance can pay a portion of income that is lost. Since this coverage pays you directly, you’re able to use the money as you need.

Short Term Disability:

Everyday illnesses or injuries can interfere with your ability to work. Just a few weeks away from work can make it difficult to manage household costs. Short term disability coverage can pay up to 60% of your income, so you can focus on getting better and worry less about keeping up with your bills.

Long Term Disability:

Serious illnesses or accidents can arise unexpectedly. They can interrupt your life and your ability to work for months- even years. Long term disability can pay up to 60% of your income so you can have financial support to manage your disability and household.

Term Life Insurance:

Term life insurance provides affordable coverage for a specific amount of time. Most people buy it during their working years, so if they die, their death benefit can help loved ones manage their financial needs. Unum's term life plans offer other important features, too — guaranteed coverage, family options, additional payments for covered accident-related claims, and early payouts for terminal illness.

Dental Insurance:

Considered an attractive benefit by most employees, dental insurance operates in much the same way as health insurance.

Accident Coverage:

You can't always avoid accidents ─ but you can protect yourself from accident-related costs that can strain your budget. Accident insurance pays a benefit directly to you if you have a covered injury and need treatment. You also can get coverage for your spouse and dependents. As medical costs continue to rise, accident insurance provides a necessary layer of financial protection.

Critical Illness:

When a serious illness strikes, critical illness insurance can provide financial support to help you through a difficult time. It can pay you a lump-sum cash benefit, which you can use any way to meet your needs. To help prevent illness, this plan can also pay you an annual cash benefit when you take a covered health-screening test.

Hospital Indemnity:

A trip to the hospital can be stressful, and so can the bills. Even with major medical insurance, you may still be responsible for co-payments, deductibles, and other out-of-pocket costs. Our hospital indemnity plan pays a cash benefit directly to you whenever you or your covered family members are admitted to the hospital. Whether you’re being treated on an inpatient or outpatient basis, this coverage can help you manage your expenses.

Employee Assistance Program (EAP) :

This program helps you and your families succeed at home and work. You can use this service for advice on typical event like financing a car, or selecting a qualified childcare or elder care facility. The service can also help you deal with more serious problems like substance abuse, divorce, or relationship problems.

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