Disability Insurance

If you can’t work, would your bank account be disabled? Help keep your finances stable with Unum’s Short and or Long Term Disability Insurance. Unum’s Disability Insurance pays you a percentage (60%) of your gross salary if you cannot work due to a covered injury or illness. These benefits can help you cover your expenses and protect your finances at a time when you’re paying extra medical bills. With our fast claims review process and weekly benefit payments, you can focus on getting well — not your wallet. The Social Security Administration estimates that just over 1 in 4 of today’s 20-year-olds will become disabled before reaching age 67. Most disabilities are not work-related, and therefore not covered by workers’ compensation. STD: 14 day elimination period, up to 24 weeks of benefit. LTD 180 day elimination period, up to age 65, 3/12 pre-existing condition clause. *Cost per pay period: STD $16.35, LTD $15.52.  If you are vested under the state plan, Unum’s Long Term Disability benefits will not be payable.

Group Critical Illness Insurance with Wellness Benefit

Could your bank account survive a serious illness? Get protected with group Critical Illness Insurance from Unum. How can Critical Illness Insurance help? Critical Illness Insurance can pay a lump-sum benefit at the diagnosis of a covered illness. You choose the level of coverage — from $5,000 to $50,000 — and you can use the money any way you see fit. Cancer coverage must be selected separately when you enroll. This plan also includes a Wellness Benefit of $75 per calendar year per insured individual, if a covered health screening test is performed (including: blood tests, chest X-rays, stress tests, mammograms, colonoscopies full list) *Cost per pay period $13.73 ($15,000 benefit)

UltimateAdvisor® Legal Insurance

Save Time and Money with Legal Insurance Legal insurance helps you address everyday situations like dealing with traffic tickets, resolving warranty issues or buying a home. When you need help, don’t waste time looking for the right attorney or paying costly attorney fees, which average $347 per hour. Cost per pay period: $11.62

Access codes: Town of Mooresville – 17922tom, MI Connection 17922mic

Whole Life Insurance

Whole Life Insurance provides much more than a death benefit — it also offers valuable “living benefits” that you can use during times of need. Your plan also includes a long-term care rider. And you can keep your Whole Life coverage after you retire, making it an essential complement to Term Life.  Three reasons to buy Whole Life at work — now! Whole Life rates. The rates available through your employer are typically more affordable than those available elsewhere. Age-based premiums. Premiums are based on your age when you purchase, and don’t increase as you get older. So the earlier you buy, the lower your premium will be for the life of your policy. Guaranteed issue. Generally available during the initial enrollment at your workplace. When it’s offered to you, you can purchase coverage up to a set amount, without medical exams or health questions. If you don’t purchase the maximum amount, you have the option to increase it up to that level during future enrollments — no questions asked! LTC rider has a 6/6 month pre-existing condition clause. * Cost per pay period: $13.00 (face value $18,150)

Accident Insurance

If you have an accident, will it hurt your bank account too? Unum’s Accident Insurance gives you something to fall back on. Benefits that pay for covered accidents while you are on the road to recovery 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. Examples of covered injuries include: broken bones, eye injuries, burns, ruptured discs, torn ligaments, cuts repaired by stitches, concussions Some covered expenses include: emergency room treatment, hospitalization, doctor’s office visit, physical therapy. *Cost per pay period: $7.15