Unum employee benefits                      (Free No Obligation quote No B/S Calls or spam emails)

At Unum, we’re in the business of helping people through difficult times in their lives
We help millions of people gain affordable access to disability, life, accident, critical illness, dental and vision benefits through the workplace– benefits that help them protect their families, their finances, and their futures.

Workers and their families know we’ll be there when they need us most. And employers of every size depend on us for comprehensive benefits solutions that attract and support those who keep their business growing.

We offer a full array of benefits solutions, including benefits communication, enrollment services, and claims support. And our award-winning absence management and vocational rehabilitation services help ease the disruption to businesses and employees by enabling them to return to full capacity as soon as they’re able

Protecting the workforce of the future
At Unum, we stay focused on understanding and anticipating the evolution of the workforce, and on ensuring that the financial protection we provide aligns with emerging needs
We have the privilege of making a difference every day
Our Corporate Responsibility Report highlights the focus, passion, and commitment we have for helping people through difficult times.
Get solid protection, every step of the way
Unum partners with your employer to help protect your income. From the joys of new family members through your most challenging times, we’re here to support you and your family with financial protection benefits that fit every stage of life

Unum Disability Insurance

Help protect your finances when you can’t work
You never expect to be in a position where you can’t work, but something as simple as a back injury or maternity leave could mean time off of work without pay. Fortunately, depending on your plan, you could receive benefits up to 50-70% of your salary through Disability Insurance.

When you get sick or injured and are unable to work, you don’t want to worry about how you’ll pay the bills or wonder where the money for next week’s groceries will come from. Disability Insurance can help replace a portion of your paycheck– you can think of it as income protection.

Disability Insurance might make sense for you if:
You don’t have a large amount of savings or other sources of income available.
You depend on your income to support your lifestyle.
You can’t afford to be out of work for weeks or months at a time

Unum Life Insurance

Provide for your loved ones in a time of need
You want to make sure your family is taken care of, but you don’t know what the future holds. If you pass away, Unum Life Insurance can help your family cover expenses, such as funeral costs, day-to-day expenses, and bills
A Life Insurance policy can protect what matters most
Continue providing for your loved ones
Life Insurance can help your loved ones with financial obligations in the case of your death. In addition to day-to-day expenses, Life Insurance can also help provide money to help pay for college aid or retirement.
Unum offers a range of plans for every stage of your life. Whether you’re planning for a baby, getting married, switching careers, or preparing for retirement, you can have the coverage that fits your needs.

Unum Accident Insurance

You can’t always avoid accidents– but you can help protect yourself
When life takes an unexpected turn, Unum Accident Insurance can help you pay for the expenses not covered by your medical insurance if you have a covered injury and need treatment.
The only way to plan for an accident
Even with good insurance, accidents can bring significant expenses
Injuries can set back your finances in a big way, and they’re more common than you might think. Every 10 minutes, over 750 Americans suffer an injury severe enough to seek medical help.1 Unexpected injury can bring out-of-pocket fees that you’re not prepared to pay.
When you or your family members receive treatment after a covered accident, the last thing you want to worry about is how out-of-pocket expenses associated with treatment are adding up. Unum Accident Insurance can provide benefits paid directly to you for:
Urgent care and emergency room visits
Ambulance and other transportation to the hospital
Initial care and surgery
Hospital stays and lodging expenses related to the accident
Follow-up care, such as doctor’s office visits and physical therapy appointments
Available for you, your spouse, and your dependents, Unum Accident Insurance can be there for you during challenging times.

Unum Critical Illness

Help protect your finances during life-changing events
Critical Illness coverage from Unum can provide financial assistance when a serious illness strikes. Benefits paid by Critical Illness Insurance policies can help you with deductibles, co-pays, and other out-of-pocket costs when you are diagnosed with a covered critical illness, such as a heart attack, stroke, or cancer.
Safeguard against the cost of serious illness
Even if you have health insurance, there are still out-of-pocket expenses
Critical Illness Insurance can help when life throws the unexpected your way. If you’re diagnosed with a covered illness like cancer or you encounter certain catastrophic health events, your plan can pay a lump-sum benefit directly to you, to use however you need.

Every 34 seconds, someone in America will have a coronary event.1 If a serious medical event strikes, your medical insurance may help with the bills, but there are still out-of-pocket costs to contend with. In fact, 75% of insured people who had problems paying medical bills said their co-pays, deductibles, or co-insurance cost more than they could afford. Unum Critical Illness Insurance is a smart way to be prepared no matter what comes your way.
Talk with your HR manager to learn how to enrol in Unum Critical Illness Insurance through your workplace.

Unum Hospital Insurance

Focus on recovery– not finances
It’s no secret that hospital bills can set a family back financially. When you or covered loved ones are admitted to a hospital, Hospital Insurance can provide a lump-sum payment to help you cover the expenses that often follow.
Extra help for unexpected expenses
Reduce the financial strain of a hospital stay

When you need a trip to the hospital, the last thing you want to be thinking about is how it’ll impact your finances. Unfortunately, the reality is that even with major medical insurance, you may still be responsible for co-payments, deductibles, and other out-of-pocket costs.
Our Hospital Insurance helps protect your finances when there’s an emergency. When you or a covered family member is admitted to the hospital, these policies can pay a benefit directly to you to use as you see fit, whether to cover immediate medical costs and travel expenses or to help keep the bills covered at home. Whether you’re being treated on an inpatient or outpatient basis, this coverage can help you manage your expenses during a stressful time.

Unum Dental Insurance

Take care of your oral health– and finances
Caring for your oral health shouldn’t break the bank. Dental Insurance from Unum can provide coverage for X-rays, exams, and procedures, and it covers preventive cleanings at no cost.
Vision Insurance
Eye care that fits your lifestyle and budget
With Unum Vision Insurance, you can take care of your eyes with access to thousands of providers and independent optometrists across the country