Insurance Benefits

Unum provides these plans which are available to members.




Comprehensive Critical Illness Insurance 

We all know fellow PHPA members, family, neighbors, church members, etc. of all ages who have suffered serious health conditions.  This insurance provides lifetime benefits and multiple lump sum tax free payments for: heart attack, bypass surgery, stroke, cancer, carcinoma in situ, benign brain tumor, permanent paralysis, coma, blindness, major organ failure, kidney failure and occupational HIV.  The potential benefit payout is $125,000 per $10,000 of coverage issued. Members can apply for coverage up to $50,000 per diagnosis!  We strongly urge members to consider a minimum amount of at least $10,000.  There aren’t any exclusions for aviation claims (i.e. paralysis, coma, blindness, etc.).  Idea: benefit payments can be used to provide tax-free dollars on top of the 50% disability income you would receive under the UNUM LTD plan.  Members and spouse can each receive a $75 annual health screening test reimbursement!  

Please see link below for brochures, examples and rates. 

Please note: Enrollment can only take place during a scheduled enrollment period and is through payroll deduction.  Coverage is portable upon leaving URS and/or retiring at the same price and benefit level! Spouse and children (free) are also eligible for UNUM coverage.


Accident Expense Insurance

 This benefit provides dollars to help offset non-medical and medical expenses we all face in the event of an accident (falls, sports, hunting, boating, around the house, vacation, children activities, travel, etc.). 

A $300 daily hospital sickness benefit can also be added.  Members and spouse can each receive a $50 annual health screening test reimbursement! 

Please see link below for brochures, examples and rates. 

Please note: Enrollment can only take place during a scheduled enrollment period and is through payroll deduction.  Coverage is portable upon leaving URS and/or retiring at the same price and benefit level! Spouse and children are also eligible for UNUM coverage.




Whole Life Insurance

This provides a guaranteed level premium for life and never increases, along with guaranteed cash and paid up values.  A great solution to provide some post-retirement life insurance when term runs out.  You may also include spouse and children and grandchildren under the age of 26. 

Please see link below for brochures, examples and rates. 

Please note: Enrollment can only take place during a scheduled enrollment period and is through payroll deduction.  Coverage is portable upon leaving URS and/or retiring at the same price and benefit level! Spouse and children are also eligible for UNUM coverage.