Pay and Save, inc. DBA Lowe’s is proud to offer it's team members Accident Insurance through Unum
Accidents can happen anywhere and in the most unexpected ways. Even with medical insurance, it may not be enough to pay all of your medical expenses, like your deductible, co-insurance and co-pays.
How does it work?
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.
What's Included?
Be Well Benefit
Every year, each 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
Organized Sports Benefit
Each family member that has Accident coverage is eligible for a 25% increase in payable benefits within the Injury and Treatment schedule of benefit categories. See disclosures and schedule of benefits for more information.
Personal Safety Benefit
Every year, each family member who has Accident coverage can also receive a payout for completing a covered safety program. This benefit is available in the Treatment category. See disclosures and schedule of benefits for more information.
Why is this coverage so valuable?
It can help you with out-of-pocket costs that your medical plan doesn’t cover, like co-pays and deductibles. You’ll have base coverage without medical underwriting. The cost is conveniently deducted from your paycheck. You can keep your coverage if you change jobs or retire. You’ll be billed directly.