We've Got You Covered
It’s our mission is to provide the people we serve with financial protection and security. We help people get to a better place by providing resources to help them improve physical and emotional well-being. We don’t just manage claims – we help employees get through difficult times and return to healthy and productive lives.
Service at your fingertips
It’s easy to do business with UniCare because we put you in control. You can access us at your convenience, through toll-free phone service lines or online services that are as close as a mouse-click.
Single point of contact
UniCare’s array of benefit offerings enable us to tailor a life and disability plan to meet your unique needs. Plus, you can add a UniCare vision plan to create a combined Specialty benefits package with a single point of contact.
Products & Services
UniCare specializes in group life and disability coverage. In addition to traditional group insurance plans, we offer a variety of alternate funding arrangements and administrative services for self-funded benefit plans.
UniCare’s life insurance product offerings for employee benefit plans include group term life, accidental death and dismemberment (AD&D), dependent life, optional life and AD&D. Our disability offerings include short-term disability (STD) and long-term disability (LTD) insurance. The employer selects the coverage and benefit amounts and pays all or part of the premium.
Voluntary coverage is employer-sponsored, expanding the range of benefits the employer offers. Employees make their own benefit choices then pay for whatever coverage they select. The employer collects the premiums through payroll deduction, making the employee’s premium payments easy and automatic.
Optional group term life insuranceEmployees can select group term life coverage for themselves at varying amounts and at affordable rates. They may also include coverage for their spouse and children. Employee coverage includes waiver of premium and living benefit features.
The employer chooses whether to include accidental death benefits in the optional group term life plan offering. If included, each employee is covered for an accidental death benefit equal to his or her optional group term life insurance benefit amount.
Our optional life coverage keeps working for employees even if they move on. Coverage is portable, so employees who leave the company can take it with them. We will bill them at home or automatically deduct each premium from their checking account. It’s an easy and affordable way to buy some peace of mind.
Voluntary disability insuranceAs medical costs rise, the need to focus fringe benefit dollars on providing good health insurance coverage has made it increasingly difficult for employers to include disability coverage in their benefit packages. Offering voluntary disability insurance products is an excellent way to keep a company’s benefit package comprehensive, so employees can have protection for both their health and their earnings.
UniCare offers voluntary short-term disability (VSTD) and voluntary long-term disability (VLTD) plans.
Voluntary accidental death and dismemberment insuranceVoluntary accidental death and dismemberment (VADD) coverage is an affordable option to add to your benefits package. Employees can buy large amounts of protection for themselves and their family, for a very reasonable price, without having to answer health questions to determine their insurability.
UniCare includes Paid Family Leave (PFL) coverage on all New York Disability Benefits Law quotes. PFL provides expanded benefits for employees who have had a child, are planning to adopt, or need time to care for a family member with a serious health condition or relative on a qualifying military leave.