Supplemental Medical Through UNUM

Supplemental Medical Plans pay a fixed, one-time benefit amount which you can use for any purpose you like. It can help pay for expenses not covered by your health care plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home health care costs, or any of your regular household expenses.

Accident Insurance

Accident insurance from UNUM helps you pay for unexpected costs that can add up due to common injuries such as fractures, dislocations, burns, emergency room or urgent care visits, as well as physical therapy. If you or a covered family member has an accident, this plan pays a lump-sum, tax-free benefit. The amount of money depends on the type and severity of your injury and can be used any way you  choose. You may even be eligible for a benefit if you receive a covered wellness screening such as blood tests, stress tests, or a chest X-ray.

Critical Illness

Critical illness insurance from UNUM can help fill a financial gap if you experience a serious illness such as cancer, heart attack or stroke. Upon diagnosis of a covered illness, a lump sum, tax-free benefit is immediately paid to you. Use it to help cover medical costs, transportation, childcare, lost income, or any other need following a critical illness. You choose a benefit amount that fits your paycheck and can cover yourself and your family members if needed. You may even be eligible for a benefit if you receive a covered wellness screening such as blood tests, stress tests, or a chest X-ray.

Long Term Care Plan

The Symphony offers you the opportunity to purchase Long Term Care (LTC) coverage through Unum for yourself and your eligible family members when you are a new hire. The plan pays benefits when you are unable to perform (without substantial assistance from another individual), two of six “Activities of Daily Living” or experience severe cognitive impairment for an expected period of at least 90 days. Enrolling for Long Term Care benefits after your initial eligibility as a new hire requires full medical underwriting.