Disability and leave management solutions

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Disability

Providing more than income replacement, short-term and long-term disability plans are designed to help get employees back to work safely and sooner. This may help reduce impacts on workplace productivity.

Learn about our disability plans

Leave management

Helping employers simplify leave management. We bring company leave policies and Family and Medical Leave Act (FMLA), Paid Family and Medical Leave (PFML) and Americans with Disabilities Act (ADA) accommodations into a more coordinated experience.

Learn about our leave management plans

Disability

Learn about our disability plans

Leave management

Learn about our leave management plans

A seamless and intuitive experience

Simplicity is essential when it comes to handling insurance and finances during life’s most important — and sometimes most difficult — moments. UnitedHealthcare disability and leave management solutions are designed to work for employers and their employees, providing:

Less administrative work for employers
Proactive claims processing for quicker, accurate payments for employees

Disability plans

Short-term and long-term disability insurance products protect an employee’s most valuable asset — their ability to work and earn an income. If an employee is injured or sick and unable to work, disability insurance provides benefit payments as income replacement. Plans offer:

A choice of flexibie plan design options
An easier claims process for employees — including faster claim decisions via medical data integration
Access to disability specialists who’re trained to help employees return to work safely

Short-term disability

Short-term disability plans are designed to help replace part of an employee’s income when a qualifying injury, illness or health event temporarily prevents them from working. This way, they’ll still have income as they take time off work to recuperate — typically 13–26 weeks.

And with Benefit Assist for Maternity Leave, we help eligible employees get their maternity leave benefit payment up to 30 days before their delivery date.

Long-term disability

Long-term disability plans are designed to help support employees when a qualifying injury, chronic illness or health event occurs. It replaces part of their income as they take extended time off to take care of their health. Long-term disability plans also include the Member Assistance Program (MAP) at no additional cost. MAP provides employees with 24/7 access to confidential emotional, financial and legal help.

Leave management plans

Family and Medical Leave Act (FMLA)

FMLA is a 1993 federal labor law that protects the jobs of employees who need to take a leave of absence for personal or family reasons. The law guarantees that a qualified employee may take up to 12 weeks of unpaid leave for reasons such as childbirth, adoption and personal or family illness.

UnitedHealthcare offers end-to-end FMLA solutions. Our core program includes managing and tracking of state and federal unpaid leave associated with FMLA, as well as company-specific leaves. Buy-up and optional services are also available.

Certified leave management specialists proactively help employers meet federal, state and local laws, including FMLA and the Americans with Disabilities Act (ADA).

Paid Family and Medical Leave administration (PFML)

PFML programs are state-mandated offerings that allow employees to request a wage-replacement benefit if they are unable to work. Reasons include:

Having an illness or injury
Bonding with a new child
Caring for a family member with a serious health condition
Addressing a qualifying military demand

Benefits vary by state and depend on:

Eligibility
Qualifying leave events
Covered family member relationships
Waiting periods
Benefit amounts

UnitedHealthcare offers PFML private plans for groups with 100 or more eligible employees and 25 or more employees working in CO, CT, DE, MA, MD, ME, MN and OR. Contact your UnitedHealthcare representative for additional information.  

Explore more plan options

Supplemental health plans

Round out employees’ coverage with additional benefit plans like accident protection, critical illness protection and coverage for hospital stays.

Learn about supplemental health plans

Specialty benefits

Explore our full range of specialty benefit offerings that help deliver greater value, more flexibility and better health outcomes for employees.

Learn about specialty benefits

Supplemental health plans

Round out employees’ coverage with additional benefit plans like accident protection, critical illness protection and coverage for hospital stays.

Learn about supplemental health plans

Specialty benefits

Explore our full range of specialty benefit offerings that help deliver greater value, more flexibility and better health outcomes for employees.

Learn about specialty benefits

View all products and solutions

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Review your current coverage and see if a plan from UnitedHealthcare may be a better fit for your business.

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Disclaimers

UnitedHealthcare Paid Family and Medical Leave products are provided by UnitedHealthcare Insurance Company in limited states. The policies have exclusions, limitations, reductions of benefits and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. UnitedHealthcare Insurance Company is located in Hartford, CT.

Employee benefits including group health plan benefits may be taxable benefits unless they fit into specific exception categories. Please consult with your tax specialist to determine taxability of these offerings.

THIS IS A LIMITED BENEFIT POLICY.

This information does not replace your official health plan documents. Please see your official health plan documents for all coverage details, which includes limitations and exclusions. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write the company.

UnitedHealthcare Life and Disability products are provided by UnitedHealthcare Insurance Company and certain products in California by Unimerica Life Insurance Company. Life and Disability products are provided on policy forms LASD-POL (05/03) et al. and UHCLD-POL 2/2008 et al., in Texas on forms LASD-POL-TX (05/03) and UHCLD-POL 2/2008-TX and in Virginia on LASD-POL (05/03) and UHCLD-POL 2/2008. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT and Unimerica Life Insurance Company is located in Milwaukee, WI.

Benefit Assist for Maternity Leave is available at no additional cost to customers with a UnitedHealthcare medical plan and eligible UnitedHealthcare short-term disability plan. Benefit payments associated with the Benefit Assist for Maternity Leave program are subject to eligibility requirements and benefits outlined in your UnitedHealthcare short-term disability policy. Benefit Assist for Maternity Leave is not available for New York sitused customers. For more details, contact your broker or UnitedHealthcare sales representative.