Page 16 - 2022 Drive Open Enrollment Guide - Non Union

Worksite benefits - Unum

Accident Plan Hospital Indemnity Plan
Your medical insurance offsets most of the treatment Hospital Indemnity pays a benefit directly to you in the
costs for injuries resulting from an accident. Often event of a hospitalization. Similar to the Accident coverage,
times, there are unexpected costs related to time off the benefits that are paid to you can offset the out of pocket
from work, hospital co-pays, medical insurance expenses of your medical plan. This plan will follow a
deductibles and child care expenses. It’s inconvenient, payment schedule for specific services that are received. A
expensive, and can have a serious impact on a family’s hospital admission, hospital stay, or hospital care are
savings. Accident insurance provides a hedge against examples of services that would provide a payment.
this possibility, paying a fixed, lump-sum benefit for
injuries resulting from a covered accident—up to and
including death. These benefits are paid directly to you
or your designee, to use however you wish. Hospital Indemnity Plan Benefits
Hospital Admission - Accident or Sickness
Accident Plan Benefits Non-ICU $500
Portability Included ICU None

24 hour coverage Hospital Confinement - Accident or Sickness
Coverage Type
(on/off job) Non-ICU $165
Initial Physician or Urgent Care Visit $75 ICU $165
Emergency Room Visit $100 Maximum Days per Incident
Accident Follow up Care $75
Admission Benefit 1 time per calendar year
Physical Therapy $20
Hospital Admission Confinement Benefit 60 days (Non-ICU) 15 days (ICU)
Non-ICU $1,000
Portability Included
ICU $1,000
Benefit Waiting Period None
Hospital Confinement Daily Benefit
Non-ICU $150
ICU $150 Children are defined as participants under all UNUM
MRI $200 coverages from birth to their 26 birthday
th
Burns (based on degree & size) $500-$10,000
Lacerations (based on size & repair) $50-$600
Dislocations (based on specific joint) 25%-$3,375
Fractures (based on specific bone or joint) 25%-$4,500
Concussion $200
Coma $10,000
Dismemberment
Basic / Functional Loss
$12,500-$50,000
Catastrophic
Paralysis
Two Limbs $25,000
Four Limbs $50,000
Accidental Death
Employee $50,000
Spouse $25,000
Child $12,500

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