2024 Additional Benefits

CoorsTek is pleased to offer the following voluntary benefits. These benefits are 100% employee paid via payroll deductions with after-tax dollars. You do not need to be enrolled in any of the other CoorsTek offered benefit plans in order to be eligible for these voluntary benefits. Elections in these plans can only be changed during open enrollment or due to a qualifying change in family status as outlined on page four of the benefit guide. 



These coverages offered through Unum pay you a cash benefit if you experience a covered illness or accidental injury. 

The plans pair well with high deductible health plans and may limit your financial exposure. The cash benefit is separate from any claims or coverage provided by medical insurance. There are no offsets and no restrictions on how the benefit amounts paid to you can be used, which means you can use the cash to cover expenses your medical plan may not cover, like your deductible – and any other costs including living expenses like your mortgage or utility bills. Additionally, every year each covered family member under either policy can receive $50 for getting a covered Be Well screening test.

To initiate any claim under an Accident Insurance or Critical Illness Insurance policy, you may file your claim online with Unum at or call Unum directly at 877-721-3196.



With Accident Insurance, you’ll receive a lump-sum payment for a covered accidental injury and related services. Payment depends on the type and severity of your injury and the related treatment. For example, you receive a specific cash amount for an ambulance ride, a visit to the ER, Urgent Care, doctor or chiropractor, a hospital stay, etc. Please review the Accident Insurance Overview.

  • Guaranteed issue; no health questions asked
  • Premiums will never increase due to your age
  • Benefits available for your spouse and dependent child(ren)
  • Direct payment to you or to your beneficiary
  • Coverage portability: If you change jobs, you can take the same benefits with you at the same cost



Critical Illness Insurance provides a lump-sum cash benefit upon diagnosis of a specific critical illness. Benefits can be purchased in $10,000, $20,000 or $30,000 lump sum amounts for yourself. Spouse coverage may be purchased for 50% of the lump sum you elected for yourself. Dependent child coverage is automatically included at no additional cost for 50% of the lump sum you elect for yourself.

These amounts are all guaranteed issue. Initial diagnosis must be made after the coverage is in effect for a benefit to be paid.

Stock photo of family used in Critical Illness Flyer


As part of your comprehensive benefit offering, CoorsTek offers you the opportunity to enroll in a Legal Insurance Plan from ARAG™. This plan provides you and your qualified dependents with affordable, reliable legal coverage. The legal insurance plan from ARAG™ covers a wide range of legal needs like a few of the examples shown below – and many more – to help you address life’s legal situations.

Covered services may include:

  • Some criminal matters,
  • Debt or driving related matters,
  • Most family matters,
  • Real estate and home ownership
  • Wills and estate planning,
  • Tax issues, and
  • Reproductive Benefits


Legal Insurance Graphic

For additional information, please review the flyer below and contact ARAG at access code 18322ct.  


Video: What is Legal Insurance?


My Pet Protection® from Nationwide® helps you provide your pets with the best care possible. You select your plan reimbursement amount of 70% or 50% on eligible vet bills including accidents, illnesses, and hereditary conditions, subject to a $250 annual deductible and $7,500 maximum annual benefit. Pre-existing conditions are excluded.

You may add My Pet Protection® Wellness500 to the above plans to cover preventive care, including eligible exams, vaccinations, flea prevention, spay or neuter and more.

Rates for Pet Insurance vary based on your state of residence, type of animal and plan selected. Please reach out to Nationwide at +1 877 738 7874 or online at for a quote and to enroll.