You are here: Home > Home > Human Resources > Employee Benefits > Insurance - Life/AD&D

Life/AD&D Insurance

UNC Health Care offers its employees several different life insurance options.

MetLife Group Term Life Insurance
North Carolina State Retirement System Death Benefit
NC Flex Accidental Death & Dismemberment Insurance
NC Flex Voluntary Group Term Life Insurance
Transamerica Whole Life Insurance


MetLife Group Term Life Insurance

UNC Health Care offers group "term" life insurance coverage under Metropolitan Life (MetLife). This plan is administered by UNC Health Care and is available to all regular employees who work 20 hours or more per week. Premiums are deducted on a post-tax basis.

This benefit is effective the 1st day of the 2nd month after an employee's date of hire. Or the 1st day of the month after underwriting approval (late enrollments only).

The MetLife plan allows employees to insure themselves for up to five times their salary (up to $625,000). There are four available coverage types: Employee Only, Employee & Children, Employee & Spouse, and Employee & Family. The MetLife plan allows an employee to cover their dependent spouse for up to $25,000 and cover their dependent children at $10,000 each.

Domestic Partners: UNC Health Care employees may choose to cover same-sex or opposite-sex Domestic Partners under the MetLife Group Term Life Insurance policy. The amount of coverage on Domestic Partners is $25,000. The enrollment application must be accompanied by a signed and notarized affidavit confirming the nature of the Domestic Partner relationship.

The MetLife plan also offers accidental death and dismemberment insurance to employees who are enrolled in the life insurance plan. Coverage is only available for the employee and not dependents. AD&D coverage levels will equal the amount of life insurance coverage on the employee.

MetLife policy holders also receive access to a free Will Preparation service. Click here for information about free Will Preparation.

MetLife policy holders who opt for Accidental Death and Dismemberment coverage may click here for information about MetLife Travel Assistance.

MetLife Life Insurance Plan Overview

 Policy Handbook

Calculate MetLife Premium

MetLife Enrollment and Changes

For more information, please contact Employee Benefits at benefits@unch.unc.edu or call 984-974-1040.


North Carolina State Retirement System Death Benefit

UNC Health Care employees who are regular, working 30 hours or more per week, contributing to the Teachers' and State Employees' Retirement System (TSERS), and who have a year or more of creditable state service are eligible to receive the State of North Carolina Retirement System Death Benefit. This benefit pays an employee's designated beneficiary from a minimum of $25,000 to a maximum of $50,000.

For more information, please contact Employee Benefits at benefits@unch.unc.edu or call 984-974-1040.


Unum Interest Sensitive Whole Life

The plan is administered by Unum Provident. For information about Unum Provident Life Insurance, current participants should call 800-635-5597 or visit their Web site at: www.unumprovident.com

Unum Change Form


NC Flex Accidental Death & Dismemberment Insurance

UNC Health Care offers employees accidental death & dismemberment insurance (AD&D) coverage under the North Carolina Flexible Benefits Program (NC Flex). This plan is insured by A.C. Newman Company. The NC Flex AD&D Insurance is available to all regular employees who work 20 or more hours per week.

The effective date of this benefit is the 1st day of the month after the date of hire or eligibility change.  Enrollment must be completed online and within 30 days of the event.

There are two components of the NCFlex AD&D insurance: Core AD&D coverage and Voluntary AD&D coverage, and you may choose to enroll in either or both. Both plans pay a benefit if you suffer a loss as the result of an accident while insured, or if you suffer certain disabling injuries while insured by the plan. The coverage is effective 24 hours a day and includes accidents on and off the job.

The Core AD&D benefit provides a Principal Sum for Employee Only in the amount of $10,000 at no cost to you, but you must enroll in the Core AD&D to receive this benefit. This coverage can be elected even if Voluntary AD&D coverage is not elected. Click here for additional information about coverage through December 31, 2014.

The Voluntary AD&D Insurance offers two different coverage types: Employee Only and Employee Family. Under Employee Only coverage, employees are covered for 100% of the principal amount for which they are insured when death occurs due to an accident. Premiums are deducted on a pre-tax basis.

Click here for rates and additional information about coverage through December 31, 2014.

For More Information, visit the NC Flex Web site or call Customer Service at 1-855-859-0966.

To review your current benefits for NC Flex, log onto https://shp-login.hrintouch.com/.


NC Flex Voluntary Group Term Life Insurance

Voluntary Group Term Life Insurance is available to eligible UNC Health Care employees through the North Carolina Flexible Benefits Program (NC Flex). The plan is offered by ING Employee Benefits and is underwritten by ReliaStar Life Insurance Company. Voluntary Group Term Life Insurance pays a benefit to your beneficiary(ies) if you die while covered under the policy. Please note: there is no accumulated cash value.

The effective date of this benefit is the 1st day of the month after the date of hire or eligibility change.  Enrollment must be completed online and within 30 days of the event.

The NC Flex voluntary group term life insurance is available to all regular employees who work 20 or more hours per week. If you enroll in this plan the first time it is offered, you may elect coverage up to $100,000 without providing evidence of insurability (EOI).  If your enrollment requires an EOI, coverage will be effective the first of the month on or following the date your EOI is approved by ReliaStar.

Please click here for rates and additional information about coverage through December 31, 2014.

*TAX ISSUE: Premiums for life insurance are deducted from your pay on a pre-tax basis for coverage amounts up to $50,000 for employee only coverage. Premiums for employee child, or employee spouse, or employee family are paid on a post-tax basis.

ADDITIONAL PROVISIONS: Additional provisions under the NC Flex Voluntary Group Term Life Insurance plan include: adjusted coverage amounts for employees over age 70, disability waiver of premium, accelerated death benefit, portability and conversion options should you separate from employment.

For more details, please visit ING or call 1-877-464-5111.

For more information, visit the NC Flex Web site or call Customer Service at 1-855-859-0966.

To review your current benefits for NC Flex, log onto https://shp-login.hrintouch.com/.  


Transamerica Whole Life Insurance

 Transamerica Image

Half of all American households say they need more life insurance.  How about you and your family?
You can take action now by choosing the amount of coverage you need. None of us likes to think about these things, but it’s important that you can also tap into your life insurance death benefit early if you’re ever diagnosed with a terminal illness.  That benefit could really help you and your family during a difficult time.  If you’re ever laid off from your full-time job, there’s also protection to keep paying for your policy for as long as six months.

Here’s another plus: if you buy this policy and continue to pay the monthly cost, you have the option of choosing a reduced paid-up life insurance policy.

For questions about Transamerica or help enrolling, call 800-862-8963.

Document Actions