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Specified disease insurance can pay a lump sum benefit at the diagnosis of a covered illness. You choose the level of coverage – from $5,000 to $50,000 – and you can use the money any way you see fit. The policy is purchased in $1,000 increments. Coverage is portable. You may take the coverage with you if you leave the organization or retire without having to answer new health questions. Unum will bill you directly for the same premium amount. During your initial enrollment, guaranteed issue coverage is available for you and your spouse.

* Please contact your enrollment specialist at Trion for rate information. Please see policy definitions for complete details about these covered conditions.

Key Advantage

You can use this coverage more than once. If you receive a full benefit payout for a specified disease, your coverage can be continued for the remaining covered conditions.

Recurrence benefit

This benefit can provide an additional payout for a second occurrence of:

  • a benign brain tumor
  • coma
  • heart attack
  • stroke

A benefit payout of 50% will be paid for the second occurrence of one of the covered conditions listed above. Twelve months must elapse between occurrences of the same condition.

Child coverage

Dependent children newborn until their 26th birthday regardless of marital or student status, are automatically covered at 25% of the employee benefit amount at no additional cost. Eligible children are covered for the same conditions as employee and the following specific childhood conditions: Category 1: Downs syndrome Category 2: Cerebral palsy, Cystic Fibrosis and Spina Bifida Category 3: Cleft lip or palate Payout of the coronary artery bypass surgery and carcinoma in situ, which are paid at 25% of the benefit amount and payable once per covered individual, reduces the remaining amount payable for another specified disease in the same category.

Pre-existing condition limitation

Unum will not pay benefits for a claim that is caused by, contributed to or occurs as a result of a pre-existing condition. Reduction of benefits – The benefit amount for the employee and spouse reduces by 50% on the first policy anniversary date after the 70th birthday. Premiums will not be reduced. For coverage purchased after age 70, benefit amounts will not be reduced.

To enroll or change your coverage contact your Trion Benefits Specialist during open enrollment at 888-317-3759 or new hire enrollment at 336-675-0755.

2018 Critical Illness Documents

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