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 additional cost to you.

Your employer offers you Supplemental Life Insurance. Please see your enrollment materials for details about the 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 or your beneficiaries are traveling more than 100 miles from home.
Have access to medical assistance services, including worldwide medical and dental referrals, relay of insurance and medical information and more.
Have access to travel assistance services including emergency travel arrangements, 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
Receive up to 2 grief counseling sessions with a clinician within our network, by phone or fact-to-face.
Obtain financial and legal consultation support.

Beneficiary companion
Guidance services, including help obtaining copies of death certificates and managing necessary notifications to the Social Security Administration, credit card companies/financial institutions, and more
Work with coordinators to discontinue social media access to loved one's accounts
Fraud prevention and resolution, including a credit report review and more.

Noninsurance services are offered only on specific lines of coverage and are not insurance. These services may be modified or terminated at any time, may not be available in all states and may vary depending on state laws and regulations.

Find support online
By desktop or mobile, easily and securely find a provider and discover community and grief-support resources through our liveandworkwell website.
Find new news, events and thousands of expert articles and advice about conditions and issues that may be affecting your life.

Financial and legal support
One 30-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 percentage of your earnings if you can’t work because of a qualifying 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.
Return-to-work and absence support

As a member, this short-term disability plan gives you access to specialists trained to help you return to your job — or another occupation, if necessary — as quickly and safely as possible. Receive assistance with résumé preparation, skills training, job placement/search support, interview preparation, relocation services and more.
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 can 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
Claims support to help you focus on getting well
Personal support to help you return to you job more quickly and safely

These additional benefits are included with your long-term disability plan.

Return-to-work and absence support
Vocational rehabilitation
Workplace modification
Lump-sum survivor benefit
Social Security assistance

See your enrollment materials and benefit documents for more plan information.
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, here are some areas of assistance you and your family 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 for 30 minutes, with a choice to meet with an attorney by phone or in-person to discuss legal concerns** .
A 30 – 60 minute financial consultation with credentialed financial professionals
The Calm app that offers techniques, community support, and guided journeys to help manage stress and anxiety

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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UnitedHealthcare Life and Disability products are provided by UnitedHealthcare Insurance Company and certain products in California by Unimerica Life Insurance Company. Life and Disability products are provided on policy forms LASD-POL (05/03) et al. and UHCLD-POL 2/2008 et al., in Texas on forms LASD-POL-TX(05/03) and UHCLD-POL 2/2008-TX and in Virginia on LASD-POL(05/03) and UHCLD-POL 2/2008. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT and Unimerica Life Insurance Company is located in Milwaukee, WI.

Will and Trust Services are offered through Optum. Optum is an affiliate of UnitedHealthcare.

Beneficiary Companion services are provided by Generali Global Assistance, LLC, a service provider not affiliated with UnitedHealthcare. UnitedHealthcare is not responsible or liable for care services, or advice given by the provider or vendor of these services.

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 Beneficiary companion

Laptop Icon Find support online Find support online

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

Disclaimers

Travel assistance 24/7

Will and trust services

Grief support for beneficiaries

Beneficiary companion

Find support online

Financial and legal support

Short-term Disability

Long-term Disability