UC offers three supplemental insurance options — Accident, Critical Illness and Hospital Indemnity plans. The plans are not substitutes for medical or disability coverage, but 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

How the plans work

Accident insurance

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

Critical Illness insurance

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. 

The monthly cost below reflects 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

Hospital Indemnity

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 31 days.

The monthly cost follows:

Self Self + child(ren) Self + adult Family
$16.19 $26.17 $32.52 $42.50

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 and enroll with Aflac. If you have questions or need assistance enrolling, call the dedicated UC Plus customer service team at 888-212-7201.