Critical illness insurance is a type of insurance that pays out a lump sum benefit if you are diagnosed with a covered critical illness. Critical illnesses are typically serious and life-changing, such as cancer, heart attack, stroke, or multiple sclerosis.

Critical illness insurance can be used to cover a variety of expenses, including:

• Medical bills that are not covered by your health insurance

• Lost income while you are unable to work

• Travel and lodging expenses for medical treatment

• Childcare expenses

• Home modifications to accommodate your disability

Claims can be filed by completing a claim form, online at Unum.com or by calling Unum at (800)635-5597.

Hospital indemnity insurance is a type of supplemental health insurance that helps pay for out-of-pocket costs associated with a hospital stay. It is not a replacement for major medical insurance, but rather a way to supplement your existing coverage.

Hospital indemnity insurance plans typically pay a fixed dollar amount per day of hospitalization, regardless of your medical bills. This money can be used to help pay for deductibles, copays, coinsurance, or other expenses not covered by your major medical insurance plan.

Hospital Indemnity Insurance provides a fixed benefit for hospital stays, but it's not a substitute for traditional health insurance.

Claims can be filed by completing a claim form, online at Unum.com or by calling Unum at (800)635-5597.

Accident Insurance is a group accident insurance policy that can help you pay for expenses not covered by your medical insurance, such as co-pays, deductibles, and other out-of-pocket costs related to an accidental injury. It can also provide coverage for lost wages and other financial losses incurred as a result of an accident.

Coverage for a wide range of accidental injuries: Accident Insurance covers a wide range of accidental injuries, including fractures, sprains, dislocations, burns, and cuts. It also covers injuries caused by car accidents, falls, sports injuries, and other common mishaps.

Claims can be filed by completing a claim form, online at Unum.com or by calling Unum at (800)635-5597.

The Be Well Benefit is a financial incentive that Unum offers to policyholders to encourage them to get important preventive health screenings. The benefit pays out a fixed amount of money, from $50 to $100 depending on the policy, for one eligible screening per year that each policyholder completes.

Policyholders can use the Be Well Benefit money to help cover the cost of their screenings, or they can use it for any other purpose they choose. The benefit is available to policyholders and their covered family members, and it can be used for a variety of preventive health screenings, including:

• Annual physical exams

• Blood pressure screenings

• Cholesterol screenings

• Diabetes screenings

• Cancer screenings

• Immunizations

A Be Well Benefit claim can easily be submitted online at Unum.com or by calling (800)635-5597 and providing the date, physician info, and name of qualifying test or exam.  No claim form or medical records required!