Page 6 - The Polyclinic New Hire Guide Condensed
P. 6
Voluntary Benefits
Accident Benefits
Accident Insurance by Unum pays beneits directly to you for accidents which occur outside
of work. The plan provides a lump sum beneit based on the type of injury (or covered
incident) you sustain or the type of treatment you need. Examples of covered accidents
include broken bones, eye injuries, cuts repaired by stitches, burns, and some emergency
room treatments. During open enrollment, you can elect coverage for yourself and family
without any medical questions.
Critical Illness Benefits
Critical Illness Insurance by Unum pays you a lump-sum beneit if you are diagnosed with a
covered condition such as a heart attack, cancer, stroke, or end stage renal failure, to name a
few. You choose the level of coverage—from $5,000 to $15,000 and you can use the money
any way you see it. Spouse and child coverage is available as well. During open enrollment,
you can elect this coverage without medical questions and lock in your rate at your current
age. Coverage is portable which means you may take the plan with you if you no longer
work for The Polyclinic. This plan also includes an annual $75 wellness beneit, payable to a
covered employee and spouse one time per year for certain wellness procedures and tests. See
policy details for pre-existing condition limitations and beneit waiting periods.
6
2015 New Employee Benefit Overview
Accident Benefits
Accident Insurance by Unum pays beneits directly to you for accidents which occur outside
of work. The plan provides a lump sum beneit based on the type of injury (or covered
incident) you sustain or the type of treatment you need. Examples of covered accidents
include broken bones, eye injuries, cuts repaired by stitches, burns, and some emergency
room treatments. During open enrollment, you can elect coverage for yourself and family
without any medical questions.
Critical Illness Benefits
Critical Illness Insurance by Unum pays you a lump-sum beneit if you are diagnosed with a
covered condition such as a heart attack, cancer, stroke, or end stage renal failure, to name a
few. You choose the level of coverage—from $5,000 to $15,000 and you can use the money
any way you see it. Spouse and child coverage is available as well. During open enrollment,
you can elect this coverage without medical questions and lock in your rate at your current
age. Coverage is portable which means you may take the plan with you if you no longer
work for The Polyclinic. This plan also includes an annual $75 wellness beneit, payable to a
covered employee and spouse one time per year for certain wellness procedures and tests. See
policy details for pre-existing condition limitations and beneit waiting periods.
6
2015 New Employee Benefit Overview
