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Accident Insurance

Extra support when accidents happen.

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This insurance pays cash benefits for covered injuries, giving you extra financial protection when the unexpected happens.

When You Can Enroll
You can elect accident insurance within 31 days of becoming benefits eligible, during Open Enrollment, or within 31 days of a Qualifying Life Event.

What to Know

  • This insurance helps cover costs from certain accidents or injuries outside of work.
  • Payouts depend on the injury and care needed (e.g., $1,000 for a hospital admission, $150 for ER visit, and $25 for a follow-up visit).
  • Available for you and your covered dependents.
  • NOTE: AD&D (Accidental Death & Dismemberment) pays a lump-sum benefit if an accident results in death or serious loss such as a limb, sight, or hearing, while Accident Insurance helps cover out-of-pocket costs from covered injuries.
  • This plan pays a $50 benefit for one Be Well screening each year for you and other covered family members. The eligible screenings include:
    • Annual exams by a physician, including sports physicals and well child visits, and dental and vision exams.
    • Cancer screenings including pap smear and colonoscopy.
    • Immunizations including HPV, MMR, tetanus, and influenza.
    • Cardiovascular function, cholesterol, and diabetes screenings.
  • It does not replace medical coverage.

 

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Example

While riding a bike, Terry’s daughter swerved to miss a ball on the ground, fell, and broke her arm. She had an ER visit, follow-up doctor visits, and physical therapy. These expenses add up quickly. Terry’s accident insurance helped her pay for out-of-pocket expenses for her daughter’s care, including transportation and parking to and from appointments.

Monthly Employee Premiums

Employee OnlyEmployee + Child(ren)Employee + SpouseEmployee + Family
$4.82$10.24$8.02$13.44
*This plan is not an ERISA Plan under 29 USC § 1002(1) and 29 CFR § 2510.3-1(j). Caltech makes no contributions to this plan. Participation in this plan is completely voluntary, and no employee is under any obligation to participate in the plan. Caltech does not endorse this plan, and Caltech’s sole functions with regard to the plan are to allow the insurer to publicize the plan and to collect and deliver to the insurer the premiums from employees who participate.

Accident Insurance Provider: Unum

Unum is Caltech’s accident insurance provider. Set up an account to manage your insurance benefits, file and track claims, upload documents, update personal information, and set up direct deposit for faster payments.

Website: learn.unum.com/Caltech

Download the mobile app:

Phone: (800) 635-5597 (M-F, 5 a.m. – 5 p.m. PT)

Plan Summaries and Resources

For full details, please review the plan documents.

Accident Plan Summary (English)
Accident Plan Summary (Spanish)
Accident Plan Certificate
Caltech Be Well Flyer
How to File a Claim