Financial Protection Plans

Financial protection plans are designed to help you plan for the unexpected—and help protect the financial future for you and your family.

Life insurance

Life insurance is designed to help give your family financial security in the event of your death, helping them meet end-of-life expenses and other financial obligations.

This term life insurance policy pays cash benefits directly to the people you have identified as a beneficiary. The money can be used to help pay for funeral expenses, rent, mortgage, education costs and more.

Your employer provides you with Basic Life insurance coverage at no cost to you.

You have the opportunity to buy Supplemental Life insurance coverage. Please review your enrollment materials for details about coverage amounts available and guarantee issue amounts.

This plan includes Accidental Death & Dismemberment (AD&D) coverage which pays an additional amount in the event of loss of life or limbs sustained in an accident.

Travel assistance 24/7
Have access to advice and consultative services if you are traveling more than 100 miles from home.
Have access to medical assistance services, including worldwide medical and dental referrals and more.
Have access to travel assistance services including help to replace lost or stolen travel documents and more.

Will and trust services
Get help to create a will, trust and power of attorney legal document (registration required).
Find local attorneys, search legal forms and have access to helpful articles written by legal experts.
Have access to financial planning help.

Grief support for beneficiaries
Have unlimited phone access to master’s-level specialists, 24/7.
Have up to 2 face-to-face grief counseling sessions, with access to a national network of licensed clinicians.

Beneficiary companion program
Call our coordinators 24/7 for guidance closing an estate and protecting your loved one’s identity.
Request guidance on how to get death certificate copies and manage notifications from the Social Security Administration, credit reporting agencies, and others.
Obtain assistance with helping to protect your loved one's identity with a credit report review, credit freeze or account closure with all credit bureaus, and resolution and recovery services in the event of identity theft.
Work with coordinators to discontinue social media access to loved one's accounts.

Online support with liveandworkwell.com
Easily and securely find a provider, and discover community and grief-support resources online.
Find news, events, articles and expert advice, and learn about conditions and issues that may be affecting your life.

Financial and legal support
One 30 to 60-minute financial consultation with a credentialed financial professional who can discuss estate taxes and other financial matters.
One 30-minute legal consultation. Beneficiaries can also retain an attorney for ongoing services at a discounted rate.

View plan benefits:

Benefit Summary: Life Insurance

Disability insurance

Help protect one of your most important assets — your ability to earn an income. A disability insurance plan will give you a portion of your earnings if you can't work because of a disabling illness or injury.

Short-term Disability
Short-term disability insurance provides you with a portion of your weekly income if you have a qualifying disability and are unable to work. The weekly payments will help you pay expenses such as medical bills, mortgage or rent, food and more.

Receive weekly payments until you return to your job or reach the end of the benefit period, whichever comes first.
Work part-time and still receive benefit payments.
Have access to disability specialists who can work with you and your employer to help you make a successful return to the workplace.
Long-term Disability
Long-term disability insurance provides you with a portion of your monthly income if you have a qualifying disability and are unable to work for a long period of time. The monthly payments will help you pay expenses such as medical bills, mortgage or rent, food and more.

Receive monthly payments until you return to your job or reach the end of the benefit period, whichever comes first,
Work part-time and still receive benefit payments,
Have access to disability specialists who can work with you and your employer to help you make a successful return to the workplace.
Member Assistance Program
To help you through difficult times, the UnitedHealthcare Member Assistance Program (MAP) provides personal and confidential support, 24/7. As a member, you and your family will have access to:

Unlimited phone access to master’s-level specialists, 24/7.
Up to 3 referrals for face-to-face counseling sessions* .
One legal consultation of 30 minutes, with a choice to meet with an attorney by telephone or in-person to discuss legal concerns** .
A 30 – 60 minute financial consultation with credentialed financial professionals.

View plan benefits:

Benefit Summary: Short-term Disability Plan

Benefit Summary: Long-term Disability Plan

* There is no charge for referrals or for seeing a clinician within our network for up to 3 visits per issue.

** Due to the potential for a conflict of interest, legal consultation will not be provided on issues that may involve legal action against UnitedHealthcare, its affiliates or any entity through which the caller is receiving services directly or indirectly.

Not for use for plans of customers sitused in New Mexico. For residents of New Mexico, alternate benefits may apply. Specific coverage details will be reflected in the Certificate of Coverage.

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Financial Protection Plans

Life insurance

Airplane Icon Travel assistance 24/7 Travel assistance 24/7

Document Single Icon Will and trust services Will and trust services

Handshake Icon Grief support for beneficiaries Grief support for beneficiaries

Phone Icon Beneficiary companion program Beneficiary companion program

Laptop Icon Online support with liveandworkwell.com Online support with liveandworkwell.com

Document Multiple Icon Financial and legal support Financial and legal support

Disability insurance

Short-term Disability Short-term Disability

Long-term Disability Long-term Disability

Travel assistance 24/7

Will and trust services

Grief support for beneficiaries

Beneficiary companion program

Online support with liveandworkwell.com

Financial and legal support

Short-term Disability

Long-term Disability