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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.
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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.
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* 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.
Hospital Indemnity Protection Plan
Even with health insurance, a hospital stay may mean big out-of-pocket costs and stress, especially if you have a high-deductible health plan. Working alongside your medical plan, Hospital Indemnity Protection insurance can help provide protection from the high costs of hospital care by paying you a benefit after hospital care.
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IMPORTANT: Some benefits may not be available in all states.
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.
Critical Illness Protection Plan
Protect your finances and your family against the impact of a critical illness. Designed to help provide a financial cushion if you become seriously ill, Critical illness insurance helps you cover unforeseen costs and daily living expenses.
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PLEASE NOTE: Some benefits may not be available in all states.
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.
Accident Protection Plan
Life can be unpredictable. Even with health insurance, an accidental injury can cost you thousands of dollars. Lost wages from missing work, health insurance deductibles and daily living expenses can create long-term financial problems.
Accident protection insurance can prepare you for the unexpected. If you have a covered injury during the plan year and submit a claim, the Accident Protection Plan will pay you a cash benefit directly. Any payment you receive is in addition to the benefits from your health plan. Plus, you don’t have to meet a deductible to receive the money — and you can use the money any way you want.
Plan at-a-glance
- Lump sum payment is paid directly to you after you submit your claim, and we verify it’s for a covered injury.
- Use the benefit payment in any way you choose such as helping pay your mortgage or rent, your deductible or other out-of-pocket expenses.
- If you have a UnitedHealthcare medical plan, Benefit Assist® can help make it easier for you to get the benefits you’re eligible for.
- Coverage is portable so, if you change jobs, you can take the plan with you.
View plan benefits:
PLEASE NOTE: Some benefits may not be available in all states.
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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Disclaimers
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.
Member Assistance Program: 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. Employee Assistance Program (EAP) is offered through Optum. Optum is an affiliate of UnitedHealthcare.
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.
UnitedHealthcare Hospital Indemnity product is provided by UnitedHealthcare Insurance Company. The product provides a limited benefit for certain hospital indemnity plan benefits. Please note: HOSPITAL INDEMNITY coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. The policy has 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. This product is not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.
UnitedHealthcare Critical Illness product is provided by UnitedHealthcare Insurance Company. Critical Illness coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. 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 tates. UnitedHealthcare Insurance Company is located in Hartford, CT.
UnitedHealthcare Accident Protection product is provided by UnitedHealthcare Insurance Company. 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.
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