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IMPORTANT NOTICE: COVID-19 testing appointments are not available at Cone Health emergency departments or urgent care locations. Click here for testing options.

2022 Voluntary Benefits

Cone Health continues to offer access to many other voluntary benefits. You will have access to enroll in these benefits in the benefits enrollment system. You have one phone number (1-800-ASK-UNUM) that you can call for questions on policies that include whole life, critical illness, accident and hospital indemnity. You can also text #CHENROLL to 45037 for more information on UNUM related benefits.

Permanent Whole Life

Term life provides a death benefit only and has no cash value. Your group policy with Cone Health is term life, which means you lose this coverage when you separate from service.

Permanent whole life would pay a death benefit but it also builds cash value over the life of the policy, which you can borrow against and premiums remain the same over the life of the policy. Policies can be continued on a direct pay basis if you leave Cone Health.

Unum offers a permanent whole life policy to you, your spouse, your children and/or your grandchildren. You do not have to buy coverage for yourself in order to purchase a policy for your spouse or child/grandchild. Standalone policies are available. No medical questions are required to enroll! Check the benefits enrollment system for prices. View Flyer

Critical Illness

Critical illness coverage through Unum can help safeguard your finances by providing a payment if you or a covered family member is diagnosed with a serious illness, including cancer, heart attack, coronary bypass surgery, stroke, end stage renal (kidney) failure, major organ failure, permanent paralysis, blindness, benign brain tumor or coma. Upon diagnosis of a specified covered illness, you would receive a lump-sum payment for each covered condition. No medical questions are required to enroll! Check the benefits enrollment system for prices. View Flyer

  • Employee Coverage Available: $10,000, $20,000 or $30,000.
  • Spouse (ages 17-64) Coverage Available: $5,000, $10,000 or $15,000 (you must also insure yourself).
  • Dependent (under age 25) Child(ren) Coverage Available: Auto-enrolled at 50% of employee amount.

Accident Insurance

Accident insurance through Unum provides a lump-sum benefit payment directly to you if you have an accident on or off the job. The benefit amount you receive depends on the type of injury. For example, if your child falls and breaks an arm, you would receive numerous payments for accident-related services received at the hospital as well as the initial follow-up appointment. No medical questions are required to enroll! Rates remain the same. View Flyer

Hospital Indemnity

This benefit is provided by Unum. Hospital Indemnity helps you cope with the out-of pocket costs associated with a hospital admission (including maternity but excluding mental or emotional disorder and alcohol, drug or chemical dependency).

There are no pre-existing condition limitations, no waiting period and no medical questions to answer. The admission payment is made only one time per year, but with Unum, you can collect the Hospital Confinement limit ($100 a day) for up to 60 days per year. You can collect the ICU confinement limit ($200 a day) for up to 15 days per calendar year.

Low Plan - $500 Admission + $100 Confinement Paid for First Day

View Low Plan Flyer

High Plan - $1000 Admission + $100 Confinement Paid for First Day

View High Plan Flyer

ARAG® Ultimate Advisor® Legal Insurance

Legal insurance gives you access to a network of attorneys for a variety of legal needs, including wills and estate planning, financial matters, identity theft services, real estate matters, tax services, child custody/child modifications and credit records correction and more! View Flyer

Allstate Identity Protection Pro Plus

Allstate Identity Protection Pro Plus monitors your personal information to help proactively safeguard it. If suspicious information is detected, you will be alerted by email, text or phone call. If identity theft occurs, an identity theft specialist will work with you to provide restoration services. View Flyer

Additional Benefits Options

These benefits cannot be accessed through the benefits enrollment platform. They must be added through the vendor. Click the links for additional details.