Gunshot & stab wounds
$5,000 lump sum for a gunshot wound — Unum has none. Stab wounds pay $200–$1,000 by laceration size, plus $1,500 for abdominal, thoracic or cranial surgery, $300 for blood/plasma and $1,500 for loss of an organ.
Built for the Badge
Your Benefits. Side by Side.
See how Combined Insurance, a Chubb company, compares with the supplemental benefits currently available to Birmingham Lodge 1 members.
Birmingham Lodge 1
Four coverages — head to head
Accident
$17.16Combined
Unum: $14.53
Higher hospital & injury benefits
Combined pays more when it matters most: $1,250 hospital admission, $300/day confinement, $5,000 gunshot wound, PTSD counseling.
Critical Illness
$21.43Combined
Unum: $34.00
37% lower — and locked for life
$20,000 benefit, age 40, non-tobacco. Combined rate is locked at issue age; Unum’s rate climbs every 5 years.
Hospital Indemnity
$28.60Combined
Unum: $35.64
20% lower premium
Lower cost, plus ER, ambulance, therapy and 30 days of mental-health confinement Unum’s plan doesn’t pay.
Disability Income
Day 1Combined
The Standard: Day 15
Benefits start sooner
Combined waives the 14-day wait when you’re hospitalized or have outpatient surgery. Choose a 3- or 6-month benefit; rates never rise with age.
Monthly employee-only premiums. Critical Illness compares a $20,000 face amount at age 40 (Combined issue-age band 36–40, non-tobacco; Unum band 40–44).
Accident Insurance
Benefit comparison
Chubb Benefits ACE Accident 24-Hour Plan vs. Unum Group Accident
Both guaranteed issue, on- and off-the-job, portable.
BenefitCombinedUnum
Hospital admission
Combined$1,250
Unum$1,000
ICU admission
Combined$2,500
Unum$2,000
Hospital confinement (per day)
Combined$300 · up to 365 days
Unum$200 · up to 365 days
ICU confinement (per day)
Combined$600 · up to 30 days
Unum$400 · up to 30 days
Air ambulance
Combined$2,000
Unum$1,500
Gunshot wound
Combined$5,000
UnumNot listed
Stab wound / laceration or puncture (stitched)
Combined$200 · $500 · $1,000 by wound size
Unum$250 · $500 · $1,000 by wound size
Surgery after a stabbing — abdominal, thoracic or cranial
Combined$1,500 + $300 blood/plasma
Unum$1,500 + $600 transfusion
Post-traumatic stress disorder
Combined$50/visit · up to 6 visits
UnumBehavioral health $30/day · 15 days
Occupational HIV / Hepatitis / MRSA / Rabies
Combined$1,000 each
UnumNot listed
First-claim bonus
CombinedExtra $100 on first covered claim
UnumNone
Telemedicine visit
Combined$75
UnumNot listed
Prosthetic device (one / more than one)
Combined$1,500 / $3,000
Unum$1,250 / $2,500
Emergency room
Combined$200
Unum$250
Employee eligibility
Combined17.5+ hrs/week
Unum30+ hrs/week
Highlighted Combined cells indicate where Combined pays more or offers a benefit not listed on Unum’s schedule.
Accident Insurance
Rates & fit for the job
Composite rates — no age bands, no increases as members get older
Monthly Premium
| Coverage | Combined | Unum |
|---|---|---|
| Employee | $17.16 | $14.53 |
| Employee + Spouse | $31.72 | $23.56 |
| Employee + Child(ren) | $34.84 | $26.91 |
| Family | $49.40 | $35.94 |
What the extra $2.63 a month buys
One 3-day hospital stay after an on-duty injury
Combined pays
$1,250 + 3 × $300 + $100 first-claim bonus = $2,250
Unum pays
$1,000 + 3 × $200 = $1,600
That single claim covers 20 years of the premium difference.
Built for the Badge
PTSD counseling
$50 per visit, up to 6 visits, for post-traumatic stress after a covered accident.
Occupational exposure
$1,000 for HIV, Hepatitis B/C/D, MRSA or rabies contracted on the job; $200 for tetanus or tuberculosis.
Rehabilitation package
Rehab admission $1,250, rehab confinement $180/day, recovery benefit $75/day, physical/occupational/speech therapy, residence & vehicle modification.
24-hour coverage & portability
On duty, off duty, and coverage goes with the member if they leave the department or retire.
Critical Illness
Plan comparison
Chubb Benefits ACE Critical Illness vs. Unum Group Critical Illness
Both guaranteed issue, portable, children included free.
BenefitCombinedUnum
Rate structure
CombinedIssue-age — locked in, never increases
UnumAttained-age — rises every 5 years
Guaranteed-issue amount
CombinedUp to $30,000 (spouse $15,000)
UnumUp to $50,000
Lifetime maximum
CombinedNone — unlimited payouts
UnumNot stated
Recurrence benefit
Combined100% of face amount
Unum100% (diagnoses 180+ days apart)
Coronary artery disease
Combined25%
Unum50% bypass / 10% angioplasty
Carcinoma in situ / non-invasive cancer
Combined25% (breast CIS pays 100%)
Unum25%
Mortgage & Rent Helper
Combined$500/month up to 6 months when out of work
UnumNone
Diabetes benefits
Combined$500 at diagnosis + $100/mo for lifestyle programs
UnumNone
Bariatric surgery benefit
Combined$1,000
UnumNone
Best Doctors® & Health Champion advocacy
CombinedIncluded — second opinions, claims navigation
UnumNone
Skin cancer benefit
Combined$250 per year
Unum$1,000
Wellness / health screening
Combined$50 per person per year
Unum$75 per person per year
Tobacco rating
CombinedNon-tobacco discount available
UnumOne rate for all
Unum’s plan adds a building benefit (+5–15% after 13+ months in force) and a $50 Healthy Habits benefit. Combined’s plan carries a 12/12 pre-existing condition provision.
Critical Illness
The cost of rates that rise
$20,000 employee benefit, non-tobacco monthly premium comparison
| Age | Combined | Unum |
|---|---|---|
| 25 | $12.79 | $13.20 |
| 30 | $17.48 | $17.40 |
| 35 | $17.48 | $24.20 |
| 40 | $21.43 | $34.00 |
| 45 | $33.24 | $44.60 |
| 50 | $39.79 | $61.00 |
| 55 | $61.69 | $80.80 |
| 60 | $78.13 | $121.40 |
Children included at 50% in both plans.
Combined: issue-age band rate (26–30, 31–35 … 56–60).
Unum: $/1,000 × 20 at current age band.
Unum’s premium moves to the next band as the member ages; Combined’s does not.
A 40-year-old officer, ages 40 to 60
$8,081 more paid to Unum over 20 years
And it keeps climbing after 60.
Combined
$21.43 × 240 months = $5,143
Unum
$34.00, $44.60, $61.00 and $80.80 for 60 months each = $13,224
Monthly premium for $20,000 of coverage
$90$60$30$0
$21.43
$34.00
Age 40$21.43
$44.60
Age 45$21.43
$61.00
Age 50$21.43
$80.80
Age 55CombinedUnum
Hospital Indemnity
Benefits & rates
Chubb Benefits Hospital Indemnity (accident & sickness) vs. Unum Group Hospital Insurance
Both guaranteed issue.
BenefitCombinedUnum
Hospital admission
Combined$1,500 (1 per year)
Unum$2,000 (1 per year)
Hospital confinement
Combined$150 · up to 30 days
Unum$200 · up to 365 days
Emergency room
Combined$150/day · 2 days per year
UnumNot covered
Ground / air ambulance
Combined$250 / $1,000 per day
UnumNot covered
Mental & nervous confinement
Combined$200/day · up to 30 days
Unum$250 · 1 day per year
Therapy services after confinement
Combined$75/day · up to 12 days
UnumNot covered
Childbirth
CombinedCovered, no limitation
UnumCovered
Coordination of benefits
CombinedNone — pays on top of any plan
UnumPays directly to you
Wellness / health screening
CombinedNot included in this design
Unum$50 per person per year
Unum also lists ICU add-ons, surgery tiers ($200–$800), diagnostics ($500) and anesthesia ($750).
Combined’s design shown is Custom Plan 1; benefit levels can be tailored. Combined pre-existing provision: 12/12.
Monthly premium
| Coverage | Combined | Unum |
|---|---|---|
| Employee | $28.60 | $35.64 |
| Employee + Spouse | $63.44 | $66.16 |
| Employee + Child(ren) | $53.04 | $54.38 |
| Family | $87.88 | $84.90 |
Save $84 a year
on employee coverage — $7.04 less every month — and add benefits Unum’s hospital plan skips entirely: the ER visit, the ambulance ride, and the therapy that follows a stay.
Disability Income
Plan comparison
Chubb Benefits Disability Income (Diamond Plan) vs. The Standard Short-Term Disability
Both employee-paid, non-occupational.
BenefitCombinedThe Standard
Benefit amount
Combined60% of income to $5,000/mo
The Standard60% of earnings to $1,500/wk
Benefit period options
Combined3 months or 6 months
The Standard90 days only
Elimination period
Combined14 days
The Standard14 days
First-day coverage
CombinedWait waived if hospitalized or outpatient surgery
The StandardNone — 14-day wait always
Rate basis
CombinedIssue-age — locked in
The StandardAttained-age — re-rated each July 1
Guaranteed issue
Combined60% of income to $3,000/mo
The StandardLate applicants: 60-day wait
Portability
CombinedUp to 12 months after leaving
The StandardEnds when employment ends
Waiver of premium
CombinedAfter 14 days of disability
The StandardNot stated
Partial disability
Combined50% of benefit while returning to work
The StandardReturn-to-work incentive
Organ donation
CombinedCovered as sickness, no waiting period
The StandardNot stated
Disability monthly rates
Combined — per $100/mo benefit
Issue age 18–49
3-month $2.376-month $3.08
Issue age 50–59
3-month $2.386-month $3.16
Issue age 60–69
3-month $2.766-month $4.02
The Standard — per $10 of weekly benefit, age each July 1
Under 25$0.227
25–29$0.345
30–34$0.378
35–39$0.270
40–44$0.187
45–49$0.195
50–54$0.210
55–59$0.303
60–64$0.313
65+$0.371–$0.395
Combined rates are level for life at the issue age shown.
The Standard’s rates are re-rated every year on the member’s July 1 age and are set by the City’s group contract.
Final benefits summary
Why FOP members make the switch
These differences are presented so members can evaluate the plans and decide what fits their needs.
Rate Structure
Critical Illness and Disability rates are locked at issue age. Accident and Hospital rates are composite. This contrasts with the rate structures shown for Unum and The Standard in this comparison.
Written for Police Work
The supplied benefits include a $5,000 gunshot wound benefit, PTSD counseling, occupational HIV/hepatitis/MRSA exposure benefits and a rehabilitation package, plus the $100 first-claim bonus.
Benefits When Covered Events Occur
The supplied benefits include the $1,250 Accident hospital admission, $300/day Accident confinement, $500/month Mortgage & Rent Helper on Critical Illness, no stated Combined Critical Illness lifetime maximum, and Hospital Indemnity ER and ambulance benefits.
Family & Portability Features
The supplied materials include spouses, domestic partners and children to age 26, children included free on Critical Illness, and Combined’s portable benefits — if you change employers or retire, your coverage goes with you.