Optional Insurance & Other Employee Programs

We’ve Got You Covered

We believe our employees should feel secure about their future. University Health System offers employees a wide range of insurance and disability plans and other programs designed to help employees and their families plan ahead.

Disability

Short-Term Disability Insurance

Employees have the option of purchasing short-term disability insurance to protect themselves from loss of income during the first six months of disability, pending the start of long-term disability or social security disability, if applicable.

Long-Term Disability Insurance

Eligible full-time and regular part-time employees (budgeted 32 standard hours or more) hired on or after January 1, 2015 have the option of purchasing long-term disability insurance at a rate of 50% or 60% coverage. Long Term disability insurance provides income protection for eligible employees who are unable to work for a long period of time following a serious health condition or injury.

Life

Group Term Life Insurance

All regular full-time and part-time (20 hours minimum) employees are covered under group term life insurance. A term insurance policy in the amount of $25,000 is paid for by University, and an employee may purchase optional insurance at the group rate in an amount equal to a total of one or two times his or her annual salary. Accidental death and dismemberment coverage is included free of charge.

Dependent Group Life Insurance

Employees eligible for life insurance can purchase up to $50,000 of coverage for their spouse and up to $25,000 of coverage for each child.

Universal Life Insurance

In addition to the group life insurance, employees (20 hours minimum) have the option of purchasing group universal life insurance for themselves and their families. This insurance can continue when the employee leaves University Health System, with no increase in premium. Universal life also builds cash value.

Other Coverage

Cancer, Dread Disease, Intensive Care Unit Coverage

Employees have the option of purchasing coverage for services that are not typically covered by your medical insurance policy:

  • Transportation to specialty medical treatment centers
  • Private duty nursing
  • Travel and lodging
  • Loss of income

FSAs

Flexible Spending Accounts

All employees are eligible to establish pretax spending accounts to pay for dependent care and healthcare costs with pretax dollars. Participation is voluntary.

Assistance

Employee Assistance Program (EAP)

Choice CARE is a free EAP provided by University. This benefit provides confidential counseling information and assistance to solve personal problems of any type, including marriage, family, alcohol/drug, debt, legal and emotional issues. Professional counselors are available 24 hours a day, seven days a week.