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.
Coverage is portable so, if you change jobs, you can take the plan with you.
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.
Coverage is portable so, if you change jobs, you can take the plan with you.
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.

Hospital Indemnity Protection Plan

For help protecting your budget from high hospital bills, hospital indemnity can work alongside your health plan by paying you cash after hospital care. You can use the cash any way you choose—from paying hospital stay expenses to your health care deductible to out-of-pocket costs and more.

Highlights
Timely cash payments are made directly to you after hospital care.
Use the cash payments to help pay your deductible, expenses related to your hospital stay, or in any way you choose.

If you have a UnitedHealthcare Health Plan, a Claim Advocate can help you submit your claim.

Coverage is portable so, if you change jobs, you can take the plan with you.

Benefits payable for
Hospital admission
Hospital confinement
Intensive care unit (ICU) confinement
ICU admission and more

Get paid for receiving health screenings
The wellness benefit included in this plan provides one payment per year for a set dollar amount for one health screening test for you and your covered spouse.

Examples of these tests are:
Chest x-ray
Colonoscopy
Pap smear
Mammogram
PSA (blood test for prostate cancer) and more

View plan benefits:

Benefit Summary: Hospital Indemnity Protection Plan

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. Critical illness insurance helps ensure that, should you be diagnosed with a critical illness, you’ll have financial support to help you with paying daily living expenses.

Highlights
Lump sum payment is paid directly to you after your diagnosis for a covered critical illness.
Use the payment in any way you choose such as helping pay your mortgage or rent, your deductible or other health care expenses such as medications and transportation to and from appointments.

If you have a UnitedHealthcare Health Plan, a Claim Advocate can help you submit your claim.

Coverage is portable so, if you change jobs, you can take the plan with you.

Base plan
Covered illnesses include:
Benign brain tumor
Cancer – invasive
Cancer – non-invasive (25%)
Chronic renal failure
Coma
Coronary artery disease (25%)
Heart attack
Heart failure
Major organ failure

Permanent paralysis
Ruptured aneurysm
Stroke

Additional coverage
Covered illnesses include:
Advanced Alzheimer’s
Advanced multiple sclerosis
Advanced Parkinson’s
Amyotrophic lateral sclerosis (ALS)
Complete blindness
Complete loss of hearing

Child-only coverage
This coverage is included with your employee coverage and includes children from birth to age 26. Benefits depend on your employee coverage. One covered condition per child.

Covered illnesses are:
Cerebral Palsy
Cleft Lip/Palate
Down Syndrome and more

Get paid for receiving health screenings
The wellness benefit included in this plan provides one payment per year for a set dollar amount for one health screening test for you and your covered spouse.

Examples of these tests are:
Chest x-ray
Colonoscopy
Pap smear
Mammogram
PSA (blood test for prostate cancer) and more

View plan benefits:

Benefit Summary: Critical Illness Protection Plan

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

Prepare for the unexpected with accident insurance that helps reimburse you if you receive care for a covered injury.

Accident insurance sends you a payment if you have a covered injury. The amount you receive will be based on the covered expenses, which may include emergency room services, surgeries, recovery care and more.

Highlights

Lump sum payment is paid directly to you after you submit your claim request and we verify it’s for a covered injury.
Use the 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 Health Plan, a Claim Advocate can help you submit your claim.

Coverage is portable so, if you change jobs, you can take the plan with you.

Base + Enhanced benefits
Covered injuries include:
Emergency room treatment
Follow-up physician visit
Hospital admission
Hospital Intensive Care Unit (ICU) admission
Hospital stays
Lacerations
Loss of fingers and toes
Major diagnostic exam
Transportation (ambulance) and more

Get paid for receiving health screenings
The wellness benefit included in this plan provides one payment per year for a set dollar amount for one health screening test for you and your covered spouse.

Examples of these tests are:
Chest x-ray
Colonoscopy
Pap smear
Mammogram
PSA (blood test for prostate cancer) and more

View plan benefits:

Benefit Summary: Accident Protection Plan

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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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

Hospital Indemnity Protection Plan

Highlights Highlights

Benefits payable for Benefits payable for

Savings Icon Get paid for receiving health screenings Get paid for receiving health screenings

Critical Illness Protection Plan

Highlights Highlights

Base plan Base plan

Additional coverage Additional coverage

Child-only coverage Child-only coverage

Savings Icon Get paid for receiving health screenings Get paid for receiving health screenings

Accident Protection Plan

Highlights

Base + Enhanced benefits Base + Enhanced benefits

Savings Icon Get paid for receiving health screenings Get paid for receiving health screenings

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

Highlights

Benefits payable for

Get paid for receiving health screenings

Highlights

Base plan

Additional coverage

Child-only coverage

Get paid for receiving health screenings

Base + Enhanced benefits

Get paid for receiving health screenings