NEW for Your 2021 Benefits Open Enrollment


  • "NO HEALTH QUESTIONS" Open Enrollment. That's right!. If you or your eligible family members have any health issues, there will never be a better time to apply for Short-term Disability, Cancer Insurance, Universal Life, Long-term Disability Buy-up, or our new Critical Illness Insurance.
  • NEW Critical Illness Plan. Get a lump-sum check ($5,000 - $50,000) payable directly to you if you suffer a covered critical event. Details are below.
    • ​Click this image to see how Critical Illness and the Cancer and Accident plans can help take the risk out of paying deductibles, co-insurance, and other non-medical living expences if you have a severe accident or illness.
  • New Short-term Disability plan, Paycheck Protect®, that includes Mental Illness coverage. If you already have Trustmark's Short-term Disability, this will be the only opportunity to switch to Paycheck Protect®.
    • The maximum coverage has increased from 60% to 70% of your Basic Earnings (up to $6,000/month).
    • The pre-existing condition limitation has been waived for all new short-term disabiliy coverage!

To review our Open Enrollment Q & A, click HERE.

Click These Buttons for Information

Click below if you would like to ENROLL in:
  • NEW Critical Illness
  • Cancer Insurance
  • Accident Insurance
  • Short-term Disability
  • Universal Life Insurance
  • NOTE: If you have an older Universal Life policy from Security Life or an older Short-term Disability policy from ABLAC/CAIC/AFLAC and have questions, please call us.
Click HERE for helpful instructions on using our enrollment platform, hello iris!.

NEW Critical Illness - Available at 2021 Open Enrollment!:  This plan provides a lump sum benefit ($5,000 - $50,000) to help pay deductibles, co-insurance, and living expenses when someone experiences a severe critical illness like a heart attack, stroke, major organ transplant, and others. These benefits are not offset by health insurance benefits; and all payments are paid directly to the insured. A $100/year Health Screening Benefit is also included.  Pre-tax premiums. Polices are issued by AFLAC.

Group Cancer Insurance: This plan is designed to help offset indirect out-of-pocket expenses associated with cancer treatments and 29 other specified diseases. Benefits are paid directly to the insured regardless of any other health insurance coverage in force.  A $100/year Wellness Benefit is also included for each insured person.  Pre-tax premiums. Polices are issued by Allstate Benefits. 

Accident Insurance:  This plan is designed to help take care of unexpected bills related to injury accidents (even sports-related) that occur everyday. Accident insurance provides benefits for initial care, injuries, and follow-up care that are a result of a covered accident. These benefits are not offset by health insurance benefits; and all payments are paid directly to you. A $100 Health Screening Benefit is also included.  Pre-tax premiums. Polices are issued by Trustmark Insurance Company.

Short-Term Disability Income:    "Paycheck Protect®", our newest plan, is designed to provide UK Staff an income when you cannot work due to an illness or off-the-job injury.  Faculty are not eligible for this benefit (click HERE if you are faculty). The plan also covers disability resulting from child birth (if the birth occurs 10 months after the Effective Date of Coverage) and mental illness. Plan A has a 14-Day Elimination Period, and Plan B has a 30-Day Elimination Period. Both plans pay benefits up to 6 months if your doctor requires you to be off work.

Universal Life Insurance: Available for employees, their spouses, and children/grandchildren (max. issue age is 65). Guaranteed coverage is available during Open Enrollment, but coverage purchased in the last two (2) years will offset the amounts below:

  • $150,000 for employee
  • $50,000 for working spouse
  • $10,000 for non-working spouse
  • $20,000 for dependent children, 0-18 years old

This permanent type of life insurance is designed to be there for you now and in retirement. It also accumulates cash value. Reasons to enroll include:

  • Perfect for Final Expenses/Burial Policy.
  • Provides LIFE-LONG coverage.
  • Cheaper than waiting and converting group term life at retirement.
  • Death Benefits as low as $10,000.
  • Can also be used as a charitable gift.

Term vs Permanent (Universal Life) Video

Voluntary Long-Term Disability (VLTD) Buy-Up:  Allows employees who are eligible for the University provided Long-term Disability benefit (Click HERE for eligibility info.) to purchase additional coverage equal to 10% of their base salary.  This coverage can fill the gap between your pre-disability salary and the University provided 60% LTD benefit. Unlike the University provided coverage, benefits are tax free and not offset by other forms of disability benefits.

"Protect your most valuable asset...your paycheck. Don't risk a 40% paycut." 

MetLaw Group LegalQuality legal assistance can be pricey. And it can be hard to know where to turn to find an attorney you trust.  But for a low  monthly fee, you can have a team of top attorneys ready to help you take care of life’s planned and unplanned legal events. This plan also provides credit monitoring and identity theft protection.

Sign up under your "Self-Service" portal on myUK (click here). For more information, call 800-821-6400 or visit and enter 9901134 for Single Coverage or 9901135 for Family Coverage.

Here are a couple testimonials:

“The Metlaw benefit was extremely easy to use and it worked very well for us. Our son had a disputable traffic ticket in another state. We called the 800 number and was provided with a listing of lawyers to call. Our lawyer prepared and sent a document and appeared in pre-trial and the ticket was dismissed. This one incident saved us more than double of what the premiums cost in the form of dismissed traffic fines and attorney fees. I have more legal more work to do, updating a will and a trust, and am so glad we have this benefit. Great buy and great service.” (UK Employee)

“I used Hyatt Legal plan for the first time this year. My husband and I were able to have a Will, an Estate, and a Living Will prepared. The process was efficient and much easier than either of us expected. We learned you don’t have to have a great deal of money to have an estate. The attorney bills $325 an hour and said she typically bills $3,000 for estate preparation but because we purchased the family plan for $22.50 per month, we had this service included at no cost! I highly recommend to anyone who needs a Will and Estate prepared or an update on their documents.” (UK Employee)

Auto & Homeowners Insurance: Special group rates for Auto, Home, Renters, Condo, Recreational Vehicle, Boat, Mobile Home, Landlord's Rental Dwelling, and Personal Excess Liability ("Umbrella"). For quotes, please call 1-800-GET-MET8.  To obtain a quote online, go to  Be sure to have a copy of your current coverage in hand so that you can obtain an accurate comparison.



Pet Insurance from Nationwide: Insurance for your dog, cat, bird, or exotic pet that can help pay for minor problems to life-threatening situations. Allows you to visit any licensed veterinarian. Optional Vaccination and Routine Care Coverage is also available. For quotes and to enroll online for your dog or cat, go to 877-738-7874 for the Avian and Exotic Pet Plan.

Pet insurance has been great! We have dogs that are like family and we don't want to worry about deciding if we can afford a medical procedure if needed. Recently, our Newfoundland puppy had complications after being neutered. The 24/7 Vet helpline was there for us, and all the claims were very easy to submit on Nationwide Pet's portal. (UK Employee)

Please call our office at (859) 223-4973 for additional information.

If you are already enrolled in one or more of these benefits and would like to make changes, please click below for a Service Request Form. Please do not hesitate to call our office if you need assistance.

Service Request and Claim Forms:

Allstate Benefits
The MPM Group