Cary offers additional voluntary insurance benefits (Accident Insurance, Critical Illness
Insurance and Whole Life Policy) through payroll deduction. These benefits are available so
that employees can elect additional coverage and services if they are right for them! New
hires, completing their benefit enrollment for the first time, will have the opportunity to enroll
in an Unum benefit directly from Employee Navigator.
ACCIDENT INSURANCE
The Accident Insurance plan offered through UNUM provides a benefit based on the type of
injury (or covered incident) sustained or the type of treatment needed.
Examples of covered injuries include broken bones, torn ligaments, burns, eye injuries,
etc. Some covered expenses include emergency room treatment, outpatient surgery,
hospitalization, doctor office visits and more.
The benefit amount paid out varies based on the accident and expenses incurred. This
benefit can help reduce your medical expenses due to an accident.
The cost per paycheck for this benefit is shown below:
AMOUNT
EMPLOYEE $4.74
EMPLOYEE + SPOUSE/DOMESTIC PARTNER $7.70
EMPLOYEE + CHILDREN $8.32
EMPLOYEE + FAMILY $11.28
WHOLE LIFE INSURANCE
A Whole Life Insurance Policy offered through UNUM is available Cary employees. The main
difference between this policy and the group life insurance through Reliance is that this
benefit provides "living benefits" when you need them in addition to a payment in the event
of your death. The rate for this benefit can be found here. With this benefit, employees are
also eligible for the Long Term Care Rider.
CARY Benefits Handbook Page 31
Other Voluntary Insurance Benefits
HELPFUL INFO
Long Term Care Rider
UNUM
Accident Overview with
Rates
Critical Illness Overview
with Rates
Whole Life Overview
with Rates
L
NEWSFLASH
Spouse and Domestic
Partners are covered
the exact same on any
UNUM benefit.
QUESTIONS?
For questions on
voluntary insurance,
contact UNUM at
1-800-635-5597
You can also contact
Human Resources at
919-469-4070 or
TotalEmployeeHealth@
carync.gov
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