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None of us can predict when an unexpected health issue might touch our lives. If you’re injured or diagnosed with a serious illness, critical illness insurance can help cover expenses while you focus on your recovery.
Your medical coverage helps with your health care needs.
Critical illness insurance is different because it provides a lump sum cash payment to you for certain covered illnesses.
The plan offers coverage for illnesses like:
No medical questionnaires are required, but benefits may be subject to a pre-existing condition provision. See the Critical Illness Summary for more details.
You can choose between two amounts of coverage:
You can use the cash to pay for anything you want. See the Critical Illness Summary for more details.
Premiums for coverage depend on the benefit amount you select, your age and whether you are a tobacco user. You will see the amounts when you enroll through the Alera Group Benefits Center. You pay the full cost for this coverage through after-tax payroll deductions.
If you are diagnosed with a covered illness, you can file a claim through your MyUnum for Members online account or the MyUnum for Members mobile app. See How to File a Claim for details.
