Critical Illness & Accident

Severe illnesses – like a heart attack, cancer or a stroke – can happen to anyone, at any time. They not only cause physical and emotional strain, but they can be financially devastating. This coverage by Unum provides a cash benefit to use however you want if you or a covered family member is diagnosed with a covered illness or event.

You can purchase coverage for yourself, your spouse and your dependent children in the amount of $5,000. Your covered spouse will be covered at 50% of the employee amount.

Covered Conditions
Covered conditions, include but are not limited to:

Condition	Percentage of Covered Benefit Amount
Heart attack	100%
Coronary artery disease	50%
Invasive cancer	100%
Non-invasive cancer	25%
Stroke	100%
Major organ failure	100%
Loss of hearing or sight	100%
Infectious disease	25%
Dementia	100%

Accidents happen when we least expect it. Accident insurance pays a benefit if you suffer a covered injury that requires medical services or treatment. A range of incidents are covered from common injuries to serious events. This plan supplements your medical plan coverage (with Vail Resorts or elsewhere) and provides you with a lump-sum cash benefit that can be used for out-of-pocket expenses.

You can purchase coverage for yourself, your spouse and your dependent children up to age 26. Each family member that is covered is eligible for up to 25% in payable benefits for applicable injuries and treatments.

If you do not enroll when first eligible, you will be required to complete an Evidence of Insurability health questionnaire.

Covered Injuries
You receive funds depending on the injury sustained and treatment received. Below is a list of some of the injuries, treatments, recoveries and surgeries that are covered on this plan and their benefit amounts.

Covered Injury/Issue	Covered Amount
Accidental Death & Dismemberment (AD&D)	$12,500 – $50,000
Hospital admission	$1,000
Burns	$500 – $10,000
Leg fracture	$1,350
Shoulder dislocation	$500
Ruptured or herniated disc(s)	$150-$250
Behavioral health therapy	$20 (up to 15 visits)
PT, OT, speech, chiropractic, acupuncture	$20 (up to 15 visits)
Inpatient knee repair surgery	$750
General anesthesia	$250
Outpatient surgery	$300
Ambulance	$300
Imaging: ultrasounds, X-ray	$50
Imaging: MRI, MRA, CAT, CT, EEG, bone scan	$200

Evidence of Insurability (EOI)
This is a health questionnaire that helps determine whether you and/or your spouse/domestic partner qualify for new coverage or an increase in coverage amount. This may be required if you do not enroll for supplemental coverage at your initial eligibility period or for amounts above the guaranteed issue levels. Coverage is not guaranteed.

Business Travel Accident Insurance provides coverage for when you are traveling for Vail Resorts. Coverage begins when you leave your home or place of employment and ends when you return. This benefit will provide security to you and your loved ones if you are involved in an accident when traveling for work resulting in death or dismemberment.