Unum Accident and Critical Illness Insurance

Arkansas State University provides accident and critical illness insurance for benefit-eligible employees and their families.

Accident Insurance

You have the opportunity to purchase accident insurance as a new hire or during open enrollment without evidence of insurability.
Accident Insurance provides 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.

Please note that you may be covered only once on the Accident or Critical Illness coverage. You may be covered only as an employee, or a spouse, or a dependent child.

Be Well Benefit

Every year, each covered 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

Critical Illness Insurance

Critical Illness insurance pays a lump sum directly to the participant when diagnosed with a covered condition. Critical Illness Insurance includes the following benefits:

• $30,000 maximum benefit;
• No maximum on payouts and benefits for covered conditions can be paid out multiple times

Please note that you may be covered only once on the Accident or Critical Illness coverage. You may be covered only as an employee, or a spouse, or a dependent child.