2025 Accident

For 2025, accident coverage will be provided through Unum, designed to assist covered employees in managing out-of-pocket expenses and additional bills that may arise from accidental injuries, whether they are minor or severe. This plan offers indemnity lump-sum benefits, which are paid directly to the employee according to the coverage amounts specified in the schedule of benefits. One of the key advantages of the Unum accident plan is that it is guaranteed issue, meaning no health questions are required for enrollment, ensuring easy access to this important coverage. The plan also offers an additional benefit for accidents sustained as a result of an organized sporting activity. 

 

Premium Information

Important Documents

This plan provides reimbursement for your actual medical expenses, with benefits paid directly to you. Coverage options are available for you, your spouse, and your dependent children. Additionally, the plan includes benefits for death, loss of limbs, hospital visits, and ambulance transportation resulting from a covered accident. For more details, please refer to the plan summary.

Injury Benefit
Hospital Care
Per Admission Benefit $1,500
Daily Stay Benefit $350/day up to 365 days
Surgery $1,000
(abdominal, thoracic, or cranial)
Medical Care Benefits (Non-hospital)
Doctor visit $125
Emergency Room | Urgent Care $250
Follow-up treatment $125 (max of 6)
Physical | Occupational Therapy $75 (max of 15)
Medical equipment $50 to $200
Outpatient Surgery $200
Medical Imaging $100 to $300
Ambulance: Air | Ground $1,500 | $500
Injury-Based Benefits
Burns $750 to $15,000
Concussions $200
Lacerations $65 to $800
Dislocations $200 to $4,125
Fractures $275 to $5,500
Accidental Death and Dismemberment (AD&D)
Employee $75,000
Spouse $37,500
Child(ren) $18,750
Organized Sports Benefit
Covers accidents as a result of an organized sporting activity Pays an additional 25% for injury and treatment categories

Important Notes

  • Employees are eligible regardless of age
  • Coverage for eligible child dependent(s) is up to age 26
  • Portable upon separation from employment with the district by remitting premiums directly to Unum. 

Need to File a Claim?

To submit an Accident claim, follow the steps below:

Register or access your MyUnum for Members account online at unum.com/claims or on the Unum Mobile App.

Submit a claim by phone at (800) 635-5597.

Non-Medical Enrollment and Questions:
(844) 249-3273

Medical Enrollment and Questions:
(800) 610-1863

General Questions:
help@effinghamschoolsbenefits.com

Benefits

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Enrollment

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