Unum Voluntary Benefits

The City of Chattanooga offers employees these additional individual benefits to help protect your income and wellbeing.

Critical Illness Insurance
This benefit pays a lump-sum payment if you are diagnosed with a covered health condition, such as a heart attack, stroke, or cancer. You can use the benefit payment in any way you choose. Coverage is available for employees, spouses, and children, and your premiums will not increase over time. The policy includes a $50 payment to you and each covered dependent when you get a qualified yearly wellness exam.

Accident Insurance
Accident insurance pays benefits for covered off-the-job accidents based on the type of accident and the treatments received. When you become injured, the Accident plan will pay you a direct cash benefit that supplements your medical insurance. Covered treatments include doctor appointments, x-rays, surgeries, physical therapy and follow-up treatments. Coverage is available for employees, spouses, and children, and your premiums will not increase over time.

Whole Life Insurance
Whole life insurance can provide added financial security for you and your family. This optional life insurance option is separate and different from your group term life insurance, in that it accumulates cash value over time. The premiums never increase, so the amount you pay when you sign up is the amount you will always pay. The insurance also includes an option that will allow you to stop paying at age 70, while still keeping the coverage for life. Additionally, if you reach a point in life where your health condition qualifies, the policy can be used to pay for long term care expenses. Coverage is available for employees, spouses, and children.

Long Term Care Insurance
This type of insurance can be used to pay for care such as nursing home care and home health assistance when needed. When a covered person is determined to need the assistance, the policy pays a monthly benefit to use towards these costs. This determination is made by a doctor, and means that you are unable to perform two activities of daily living (bathing, dressing, toileting, transferring, continence and eating), or have suffered severe cognitive impairment and need substantial supervision in your daily life.



Critical Illness, Accident & Whole Life Insurance Customer Service:


Long-Term Care Insurance Customer Service: