Voluntary Benefits (Whole Life, Critical Illness, Group Accident and Legal Benefits)

Unum Life CTA from Unum on Vimeo.

Whole Life, Group Critcal Illness and Accident Benefits are offered through UNUM

Unum Member Site

Whole Life Insurance

While Term Life Insurance is an important benefit to maintain through your working years, Whole Life Insurance can also provide you with an additional level of Life Insurance coverage. Typically the premium for Whole Life insurance is fixed so your cost will not increase for the life of the policy. Whole Life insurance not only helps pay for final expenses it can also potentially accumulate cash value where, over time, you could borrow from that cash value.

Whole Life Benefit Summary

Whole Life Cancellation Form

Whole Life Transfer Instructions

Portability and Conversion Options

Group Critical Illness Insurance:

Having a Critical Illness policy may help you pay for expenses you could incur when diagnosed with a covered illness such as a heart attack, stroke, coma, major organ failure and possibly cancer.

In general, under a Group Critical Illness policy you can receive a lump-sum benefit payment upon diagnosis of the covered condition to use as you see fit.This benefit can be used to help offset your income, pay for deductibles and co-payments, apply towards your regular living expenses, or even pay for transportation so your loved ones can be with you.

In addition, the policy you elect can be used for each covered condition as long as the allowable period of time has been met between the diagnoses of each condition. Each condition is payable once per lifetime. Depending on your plan options, you may also add Cancer as an additional covered condition. Spouse and Dependent coverage is also available.

This is your policy, therefore coverage is portable. You can take this coverage with you if you leave or retire without having to answer health questions.

Please review the plan documents to see details on the coverage options available including a list of some covered conditions.

Group Critical Illness Benefits Summary

Group Critical Illness Policy

Group Critical Illness Certificate Booklet

Group Critical Illness Claim Form

Group Critical Illness Wellness Benefit Claim Form

Group Critical Illness Cancellation Form

Portability and Conversion Options

Unum Accident CTA from Unum on Vimeo.

Group Accident Insurance:

If you or your covered dependents experience an injury such as broken bones, torn ligaments, burns or other covered injuries due to an accident, Accident coverage can provide you with a lump-sum benefit based on the type of treatment you need. The benefits you receive may cover expenses incurred from emergency room treatment, hospitalization, surgery, medical appliances, lodging, and certain follow-up therapy services.

These benefits are generally paid in addition to and regardless of other coverage you may have (i.e. health insurance).
Please review the plan documents to see the full schedule of benefits including covered injuries/incidents and covered expenses.

Group Accident Benefits Summary

Group Accident Policy

Group Accident Certificate Booklet

Group Accident Claim Form

Group Accident Cancellation Form

Schedule of Benefits

Portability and Conversion Options

Legal Coverage:

Save time and money with legal insurance from ARAG.

When you need legal help, don’t waste time looking for the right attorney or paying costly attorney fees, which currently average $320 per hour.  ARAG offers the top-performing legal insurance designed around a credentialed nationwide attorney network.

ARAG Legal Member Site

Legal Plan Guide

Legal Plan Overview

Legal Plan Policy

Portability and Conversion Options

This website is brought to you by ShawHankins.
The information contained on this website is intended for general purposes only. It is an abbreviated overview of the benefit plans. Please refer to the Certificate Booklet (the contract) available from the plan carriers for complete details. Your Certificate Booklet will provide detailed information regarding copayments, coinsurance, deductibles, exclusions and other benefits. The Certificate Booklet will govern should a conflict arise related to the information contained in this website. The information contained in this website does not establish eligibility to participate in or receive benefits from any benefit plan. Please note the links to any external websites are provided simply to assist our employees with convenient access. ShawHankins is not liable for the information provided on any of the external websites provided.