UK Employee Voluntary Benefits

Everyone at MPM would like to welcome you to our website. This year, The MPM Group is celebrating our 25th Anniversary with UK in providing and administering benefits designed to supplement those already provided by the University!

If you are a NEW UK employee (within 60 days of hire), several of these Voluntary Benefits are available without answering a lot of health questions. If you do not elect to participate in the first 60 days, stricter underwriting guidelines (more health questions) will be asked for some of these benefits, and coverage could be denied. It is important to not delay in reviewing these benefits.

Most of these Supplemental Benefits have common features that include:
  • Discounted Costs 
  • Payroll Deduction
  • No Medical Exams
  • Portability - Most plans may be continued after employment ends on a direct bill basis.

Click on our logo below or call our office if you would like to ENROLL in:
  • Short-term Disability
  • Universal Life Insurance
  • Cancer Insurance
  • Accident Insurance

Universal Life Insurance: Available for employees and their spouses, children, and grandchildren (Issue ages 0-65). Guaranteed coverage is available during your first 60 days of employment. 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.
  • Employees, Spouses, Children, & Grandchildren are eligible.
  • Cheaper than waiting and converting group term life at retirement.
  • Death Benefits as low as $10,000.

Term vs Permanent (Universal Life) Video


Short-Term Disability Income:    The Short-Term Disability Income Plan is designed to provide an income when you cannot work due to an illness or off-the-job accident.  Faculty are not eligible for this benefit.  Guaranteed coverage is available during your first 60 days of employment. The plan also covers disability resulting from pregnancy/child birth if the birth occurs 10 months after the Effective Date of Coverage. 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.


Group Cancer Insurance: Available to regular employees and family. Designed to help offset indirect out of pocket expenses associated with cancer treatments and 29 other specified diseases. Guaranteed coverage is available during your first 60 days of employment. Benefits are paid directly to the insured regardless of any other health insurance coverage in force.  The plan also pays each insured a Wellness Benefit of $100 per year when the insured receives a qualifying wellness exam/test


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.


UK Group Term Life & Dependent Life (also found on UK's website): The Group Term Life Insurance can be purchased in increments equal to your UK salary. The maximum coverage is now 8x salary or $1 million, whichever is less. Up to 3x Salary or $375,000 (whichever is less) is guaranteed in the first 30 days of employment.

The Dependent Life can be purchased on an a spouse and/or children (including sponsored dependents) in amounts of $10k, $15, $20, $25k, or $30k.

Click HERE for more information and rates.

To enroll in this benefit, go to the "myUK" self service portal found HERE.


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) within 30 days of your hire date or at your annual Open Enrollment (use the paper application if you are between 30-60 days of your hire date). For more informatiion, call 800-821-6400; or visit info.legalplans.com 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)


Eyemed Vision (also found on UK's website): Click HERE for information and rates from UK's website, but also check out this attachment with additional value-added services. To enroll in this benefit, go to the "myUK" self service portal found HERE.

 


Delta Dental (also found on UK's website): Click HERE for information and rates from UK's website, but also check out the comparison and "Stay in Network and Save" links below. To enroll in this benefit, go to the "myUK" self service portal found HERE.


Zurich AD&D (also found on UK's website): Accidental Death & Dismemberment. Click HERE for information and rates from UK's website, but also check out this attachment with a detailed summary of the benefit. To enroll in this benefit, go to the "myUK" self service portal found HERE.

 

 


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 https://www.metlife.com/mybenefits.  Be sure to have a copy of your current coverage in hand so that you can obtain an accurate comparison.

 

 


Veterinary Pet Insurance: Insurance for your 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, please call 1-800-GET-MET8. For quotes online, go to https://www.metlife.com/mybenefits/.


Long-Term Care Insurance:  This coverage helps pay for long-term care expenses which are normally not covered by health insurance or Medicare.  Currently, new policies for payroll deduction are not being accepted; but we can assist you in obtaining a policy that is direct billed.

NAIC Shoppers Guide to Long Term Care Insurance​

  • If you purchased a Long Term Care policy from Genworth, please call (800) 416-3624 for service.
  • If you purchased a Long Term Care policy from John Hancock, please call (800) 400-2896 for service.
  • If you purchased a policy from PFL Life/Monumental Life/Transamerica, please call (800) 338-0257 for service.

Please feel free to call us as well, but the information we have on your specific payroll deducted policy will be limited.

If you would like MPM to provide you with information and/or quotes from other carriers, please call us at (859) 223-4973.


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:

Trustmark
 
 
Allstate Benefits
 
 
ABLAC/CAIC/AFLAC
 
 
The MPM Group