UniCare Life & Disability Insurance

We help employees get through difficult times and return to healthy and productive lives

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.

Sometimes one-size-fits-all employee benefit programs don’t quite fit what anybody really wants. Voluntary products let each employee choose the coverage and benefit amounts to meet their own needs.

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 insurance

Employees 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 insurance

As 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 insurance

Voluntary 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.
For larger employers that prefer to fund their own disability benefits but want professional claim administration, UniCare can provide highly customized services. Generally, ASO plans are limited to short term disability benefits. Our services range from full claim processing and tax reporting to “review only” programs.
In today’s fast-paced world, you no doubt feel some stress at home and at work. UniCare’s support services – like Resource Link, Newborn and Parenting Resources and Travel Assistance – are designed to help improve your well-being by helping you manage problems before they become an emotional or financial burden.

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.

Employees, Employers & Producers

Your employer chose UniCare so you and your beneficiaries can count on prompt benefit payments, support services and tools to help you through life’s challenges.

When you choose UniCare, your employees and their beneficiaries can count on prompt benefit payments, as well as dedicated support services and tools to help them through life’s challenges.

Helping your customers protect their financial security if health problems disrupt the income they depend on is your business.

UniCare Answers

We strive to help you find the answers you need. Check out our resources below.

UniCare is a PDP plan with a Medicare contract. Enrollment in UniCare depends on contract renewal. Coverage is provided by UniCare Life & Health Insurance Company.