UC offers three supplemental insurance options — Accident, Critical Illness and Hospital Indemnity plans. These plans pay cash benefits directly to you when you or an enrolled dependent experiences a qualifying injury, critical illness, or hospital stay. 

Supplemental health plans are not substitutes for medical or disability coverage, but they can provide an extra layer of financial protection against the unexpected.

Who’s eligible: Employees eligible for full, mid-level or core benefits

Who’s covered: You and your eligible family members, depending on the coverage you select

Who pays the premium: You

Beginning Jan. 1, 2024, Prudential will replace Aflac as plan administrator. Aflac will continue administering claims for covered events that occur on or before Dec. 31, 2023. Written notice of 2023 claims must be submitted to Aflac within 20 days after the occurrence or commencement of any loss covered by the policy or as soon thereafter as is reasonably possible.

If you have any questions about your current plan(s), please contact Aflac toll-free at (800) 433-3036. Customer service representatives are available Monday through Friday from 6 a.m. to 4 p.m. PT.

New for 2024

Prudential is taking over as the administrator of UC's Accident, Critical Illness and Hospital Indemnity plans.


  • Initial non-emergency treatment must begin within ninety (90 days) after the accident.
  • Benefit amounts for outpatient surgery, anesthesia, and hospital admission will increase.
  • New dislocation and paralysis coverage will be added.

Critical illness

  • Coronary artery disease will be covered at 100%.
  • New Infectious Disease coverages include anthrax, meningitis, whooping cough and multiple sclerosis (MS).
  • Annual Wellness Benefits include testing for EEG, Hemoglobin A1C, and Post Glucose Load Plasma  
  • The preexisting condition limitation for cancer will be eliminated.
  • If a second covered condition occurs during the waiting period for a covered condition, a second waiting period will not be required.

Hospital indemnity

  • Hospital Admission benefits will increase.

How to enroll


Newly-hired employees are given a 31-day period of initial eligibility (PIE) to enroll in accident, critical illness and/or hospital indemnity insurance. Your next opportunity to enroll will be during UC's annual Open Enrollment, unless you have a mid-year qualifying event.

Visit ucplus.com to learn more about the benefits offered by each plan with Prudential. If you have questions or need assistance filing a claim, call the Prudential customer service team at 855-483-1438.

How the plans work

Pays cash benefits if you receive services related to an accident, such as ER and urgent care visits, ambulance rides, X-rays, surgery, physical therapy and more.

The monthly cost follows:

Self Self + child(ren) Self + adult Family
$9.67 $19.85 $15.86 $26.04

The plan provides a lump-sum payment if you are diagnosed with certain critical illnesses, such as cancer, heart attack, stroke and more.  Rates are age-based and may differ for you and your spouse or domestic partner. Coverage for eligible children is free when you enroll.  You select a coverage level of $10,000 or $30,000; coverage for children is 50% of employee coverage. 

The monthly cost below reflects the cost for a single adult:

Ages $10,000 $30,000
18-25 $4.87 $9.46
26-30 $5.84 $12.35
31-35 $6.51 $14.37
36-40 $8.01 $18.86
41-45 $9.66 $23.81
46-50 $10.19 $25.41
51-55 $16.86 $45.43
56-60 $15.91 $42.57
61-65 $26.17 $73.34
66+ $54.36 $157.93

Pays a pre-determined dollar amount if you’re admitted to the hospital due to an accident or illness, or for maternity care, and continues to pay a cash benefit for every day you’re in the hospital, up to 30 days.

The monthly costs are as follows:

Self Self + child(ren) Self + adult Family
$16.19 $26.17 $32.52 $42.49