Unum Accident Insurance
HI TECH UTILITY CONSTRUCTION INC.
Accident Insurance
What’s included? Be Well Benefit
How does it work? Accident Insurance pays a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur off the job. And it includes a range of incidents, from common injuries to more serious events. Why is this coverage so valuable? It can help you with out-of-pocket costs that your medical plan doesn’t cover, like co-pays and deductibles. You’ll have base coverage without medical underwriting. The cost is conveniently deducted from your paycheck. You can keep your coverage if you change jobs or retire. You’ll be billed directly.
Every year, each family member who has Accident coverage can also receive $50 for getting a covered Be Well screening test, such as: • Annual exams by a physician include sports physicals, well-child visits, dental and vision exams • Screenings for cancer, including pap smear, colonoscopy • Cardiovascular function screenings • Screenings for cholesterol and diabetes • Imaging studies, including chest X-ray, mammography • Immunizations including HPV, MMR, tetanus, influenza Organized Sports Benefit Each family member that has Accident coverage is eligible for a 10% increase in payable benefits within the Injury and Treatment schedule of benefit categories. See disclosures and schedule of benefits for more information.
Who can get coverage?
If you’re actively at work*
You
Can get coverage as long as you have purchased coverage for yourself.
Your spouse
Dependent children from birth until their 26th birthday, regardless of marital or student status.
Your children
*Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage. See Schedule of benefits for a complete listing of what is covered.
How much does it cost?
Your monthly premium
Option 1
$10.43
You
$19.30
You and your spouse
$27.52
You and your children
$36.39
Family
18 HI TECH UTILITY 2024 BENEFITS GUIDE
Unum | Accident Insurance
EN-2073
FOR EMPLOYEES
(10-22)
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