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The critical illness benefit offered by UNUM provides a lump sum benefit payment to cover out-of-pocket medical expenses and the costs associated with life changes following a covered critical illness. The plan features a $10,000 employee/$5,000 spouse* benefit that is payable in a lump sum following the diagnosis of each covered critical illness. The following critical illnesses are covered by this benefit:


                                   • Heart Attack                   • Major Organ Transplant

                                   • Cancer                           • Kidney Failure (End Stage Renal)

           • Stroke                            • Carcinoma in situ (25% of maximum benefit)

           • Coronary Artery Bypass Surgery (25% of maximum benefit)









Page last updated: January 29, 2013