2025 UK Open Enrollment

Everyone at MPM would like to welcome you to our website! For 30 years, The MPM Group has provided and administered Voluntary Benefits designed to supplement core benefits provided by the University.

Most of these Supplemental Benefits have common features that include:

Discounted Costs
Payroll Deduction (Some are pre-tax)
No Medical Exams and few health questions
Portability - Most plans may be continued after employment ends on a direct bill basis.

SPECIAL for 2025 Open Enrollment (April 28 - May 16)

NEW Voluntary Hospital Indemnity Plans.
- Provides money directly to you to use any way you like whether it be for deductibles, coinsurance, or personal expenses. Click HERE for more information.
Guarantee Issue (no health questions) Short-term Disability AND Long-term Disability Buy-up
- Protect your paycheck! Financial Planners will tell you this is one of the most important coverages to have.
UK has partnered with NAYYA, an online decision support tool. If you would like additional help with deciding which core and voluntary benefits are right for you, click HERE. Use your UK email address to register.

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 an accidental injury or severe illness.

Click These Buttons for Information

Click this button to Register & Enroll/Change any of the 7 benefits below. You will be taken to our enrollment vendor, Employee Navigator. Your Company Identifier is "University of Kentucky" when registering.

Long-term Disability Buy-up (no health questions this year)
NEW Hospital Indemnity
Critical Illness
Cancer Insurance
Accident Insurance
Short-term Disability
Universal Life Insurance

lf you have already enrolled in short-term disability, please call our office at (859) 223-4973 to increase coverage.

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NEW HOSPITAL INDEMNITY PLANS

The Hospital Indemnity plans pay money directly to the insured and can be used for anything including deductibles, co-insurance, and personal expenses. They complement UK's Saver and PPO health plans.

Low plan pays $1,500 if admitted to hospital and $100/night.
High plan pays $3,000 if admitted to hospital and $200/night.
Both plans pay $100/visit to an Urgent Treatment Center (5 per yr. max) per covered person.
Both plans pay a $100/yr. Health Screening Benefit for qualified diagnostic tests per covered person.

Family coverage is available. No health questions. No pre-existing condition limitations. If you are planning a procedure that requires a hospital stay after July 1, this plan is a must! See Policy below for full details and exclusions. Post-tax premiums.

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Voluntary Long-Term Disability (VLTD) Buy-Up: Allows employees to purchase additional coverage equal to 10% of their base salary. This coverage can help fill the gap between your pre-disability salary and the University provided 60% taxable LTD benefit. This benefit is tax-free and not offset by other forms of disability benefits. Premiums are calculated on our enrollment link and are based on your current base salary and age. Post-tax premiums.

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

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Universal Life Insurance: Available to employees and their spouses, children, and grandchildren. Issue ages are 18-75 for employees and spouses. Children/Grandchildren between ages 1-22 are eligible. Post-tax premiums.

This permanent type of life insurance is designed to be there for you now and in retirement. Please note that while term-life and group term-life are important coverages in your younger years, 99% of term-life policies never pay a death claim because it gets too expensive as you near life expectancy. Reasons to enroll in universal life include:

Perfect for Final Expenses/Burial Policy.
Provides LIFE-LONG coverage.
Cheaper than waiting and converting group term life at retirement.
Death Benefits between $5,000 and $300,000.
Can also be used as a charitable gift.

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Critical Illness Insurance: 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.

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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. Please contact us when a covered dependent child turns 26 so that we can make the necessary changes to policy/premium.

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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.

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Short-Term Disability Income: "Paycheck Protect®" 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. Pre-tax premiums.

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.

14 and 30-Day Elimination Period Rates for Policies Issued before 2021

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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. Post-tax premiums.

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)

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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 1-877-847-6182. 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. Post-tax premiums.

Farmers Auto/Home Summary Flyer

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Pet Insurance from Nationwide: Insurance for your dog, cat, bird, or exotic pet that can help pay for accidents, injuries, and illnesses including chronic conditions and cancer. 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. Premiums are post-tax.

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)

The claims process was so easy. I uploaded the receipt from my vet, and we received a check in just over a week. Angela B.

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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 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 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.

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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

The MPM Group

MPM Service Request Form for Trustmark and Aflac

(Name change, Address Change, Direct Bill, Cancellation)

Trustmark (Short-term Disability and Accident)

Trustmark Claims Website

Short-Term Disability Claim Form

Short-Term Disability Claim Form for PREGNANCY

Accident Claim Form

Accident Health Screening Claim Form

Trustmark Change of Beneficiary Form

Replacement Form