The MPM Group, LLC
2024 UK Benefits Open Enrollment
- Discounted Costs
- Payroll Deduction (Some are pre-tax)
- No Medical Exams
- Portability - Most plans may be continued after employment ends on a direct bill basis.
Click this image to see how pre-tax premium deductions combined with policy features of Critical Illness, Cancer, and Accident plans can inexpensively help reduce the risk of paying deductibles, co-insurance, and other non-medical living expences if you have a severe accident or illness.
Click These Buttons for Information |
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Click this button to Register & Enroll in any of the 5 benefits below. You will be taken to our enrollment vendor, Employee Navigator. The Company ID is "University of Kentucky".
Critical Illness
Cancer Insurance
Accident Insurance
Short-term Disability
Universal Life Insurance
lf you are already enrolled in a Voluntary Benefit and have questions about it, please call our office at (859) 223-4973.
Critical Illness: 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. Coverage is available for Spouses too. 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. Guaranteed coverage (no health questions) is available during this year's Open Enrollment for new employee applicants! 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. Please contact us when a covered dependent child turns 26 so that we can make the necessary changes to policy/premium.
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. Please contact us when a covered dependent child turns 26 so that we can make the necessary changes to policy/premium.
Short-Term Disability Income: "Paycheck Protect®", our newest plan (2021), 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). Guaranteed coverage (no health questions) is available during this year's Open Enrollment for new applicants! 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.
If you have a Trustmark Short-Term Disability Insurance policy that was offered prior to 2021, the maximum benefits and corresponding rates are below. Please refer to these rates if increasing coverage.
Universal Life Insurance: Available for employees and their spouses (to age 80), children, and grandchildren (to age 18). Guaranteed coverage (no health questions) is available for new applicants (to age 70) during Open Enrolment:
- $150,000 for employee ($200,000 with health questions)
- $50,000 for working spouse ($100,000 with health questions)
- $10,000 for non-working spouse ($50,000 with health questions)
- $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.
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 Legal: Quality 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 informatiion, call 800-821-6400; or visit members.legalplans.com and create an account where you can find out more.
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"). Metlife administers the enrollment, but Farmers issues all coverage. For quotes, call 1-866-980-3023. To obtain a quote online, click HERE. Be sure to let the representative know you are a UK employee and have a copy of your current coverage in hand so that you can obtain an accurate comparison. If you already have a policy and need service, please call Customer Service at 1-800-854-6011.
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. For quotes and to enroll online for your dog or cat, go to https://benefits.petinsurance.com/uky. Call 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)
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.
- 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) 482-0022 for service.
- If you purchased a policy from PFL Life/Monumental Life/Transamerica, please call (800) 338-0257 for service.
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:
Name change, Address Change, Direct Bill, Cancellation
