Voluntary Worksite Benefits

NCIA provides employees with the option to enroll in voluntary Group Accident Insurance, Critical Illness Insurance, Hospital Indemnity Insurance, and Whole Life Insurance through Unum. The cost of these benefits depends on the type and coverage selected. Employees pay 100% of the cost through payroll deduction. Please contact UNUM with any questions at unum.com or call 866-679-3054.

Benefit

Group Accident Insurance

Critical Illness Insurance

Hospital Indemnity Insurance

Whole Life Insurance Details

Unum’s coverage provides a lump sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need. Accident Insurance can provide benefits for covered accidents that occur on and off the job. It is offered to all eligible employees who are actively at work. You decide if it’s right for you and your family.

How can Critical Illness insurance help?

Critical Illness insurance can pay a lump sum benefit at the diagnosis of a critical illness. You can choose to purchase $5,000 to $50,000 of coverage in increments of $1,000 –and you can use the money any way you see fit. Covered Conditions Include: Heart attack, Major organ failure, Occupational HIV, Benign brain tumor, Blindness, End-stage renal (kidney) failure, and Coronary artery bypass surgery (pays 25% of lump sum benefit). Covered Conditions with Time Limitations: Stroke, Coma, and Permanent paralysis. Cancer Conditions: Carcinoma in situ, pays 25% of lump sum benefit.

Hospital Indemnity Insurance pays a benefit when you are admitted to the hospital for a covered hospital stay. This coverage can complement your health insurance to help you pay for the costs associated with a hospital stay. It can also provide funds that can be used to help pay the out-ofpocket expenses your medical plan may not cover, such as coinsurance, copays, and deductibles. Group hospital indemnity provides a benefit for hospital admission and can be tailored to include benefits for events like ER visits, hospital confinement, intensive care stays, and ambulance transportation. Benefits are payable directly to employees; you can use the money for co-pays, coinsurance and deductibles - or however else you choose. It’s also affordable! You get lower rates because this is purchased through the workplace and the premiums are paid with convenient payroll deduction.

Whole Life Insurance provides much more than a death benefit –it also offers valuable “living benefits” that you can use during times of need. You can keep your Whole Life coverage after you retire, making it an essential complement to Term Life.

What features are available?

➢ Cash value: This policy accumulates cash value. You can borrow funds from this value as needed. ➢ Living benefit option rider: If you are diagnosed with a terminal illness, you can require up to 100% of your policy’s benefit amount and use it for any purpose. ➢ Long term care benefits: Your policy may include a long-term care rider - see your plan administrator. ➢ Coverage for dependents: You may elect individual coverage, or a term life benefits for your spouse and/or dependent child(ren).