Unum: Enhancing Employee Well-Being with Voluntary Benefits Solutions

Beyond core health and retirement plans, voluntary benefits play a pivotal role in protecting employees from unexpected costs and stress. Unum offers a comprehensive suite of voluntary solutions—designed to complement existing programs and deliver tangible value to your workforce. Below, explore five ways unum’s offerings can strengthen your total-rewards strategy and support employee resilience.

1. Critical Illness Insurance

• Lump-Sum Cash Benefits: Pays a tax-free benefit upon diagnosis of covered conditions (cancer, heart attack, stroke), helping employees cover deductibles, child care, or everyday bills.
• Portability & Flexibility: Employees can take coverage with them if they change jobs, ensuring long-term protection beyond their tenure.
• Wellness Incentives: Many plans include health-screening rewards—encouraging preventive care and early detection.

Impact: Reduces financial anxiety during serious health events, fostering faster recovery and peace of mind.

2. Accident Insurance

• Covered Injury Support: Provides benefits for ER visits, ambulance rides, hospital stays, and follow-up therapies—offsetting out-of-pocket costs that traditional insurance may not cover.
• Family Coverage Options: Employees can extend benefits to spouses and children under one plan—simplifying administration.
• Quick Claims Process: Unum’s streamlined digital filing speeds reimbursements, so employees aren’t left waiting.

Impact: Complements group health by filling coverage gaps for unplanned accidents, boosting overall financial security.

3. Hospital Indemnity

• Daily Benefit Payments: Delivers a per-day cash benefit for hospital confinement and intensive-care stays—helping to cover non-medical expenses like rent, utilities, or groceries.
• No Network Restrictions: Benefits are paid regardless of which facility the employee uses, offering maximum choice.
• Return-to-Work Support: Some plans include rehabilitation or outpatient benefit options to ease the transition back to work.

Impact: Gives employees reliable cash flow during hospital stays, reducing stress and potential debt.

4. Legal & Identity Protection

• Access to Legal Advice: Employees get free or low-cost consultations with attorneys for common matters—wills, real estate, family law—through a large network of providers.
• Identity Theft Safeguards: Comprehensive monitoring and resolution services—including fraud alerts, credit-file restoration, and legal bill coverage.
• Employer-Branded Portal: A single online portal makes enrollment and service requests intuitive, driving utilization.

Impact: Addresses everyday legal and security concerns, enhancing employee confidence and productivity.

5. Pet Insurance

• Veterinary Expense Coverage: Helps cover vet bills for accidents, illnesses, and routine care—reducing the financial burden of pet ownership.
• Customizable Plans: Employees choose reimbursement levels, annual limits, and deductible options to match their budget.
• Wellness Add-Ons: Preventive care riders for vaccinations and check-ups encourage responsible pet health management.

Impact: Supports work-life balance by safeguarding employees’ beloved companions, fostering loyalty and morale.