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UHC Specialty Updates: Off-Cycle Rules, Life/AD&D for 2-9 Employees, and Disability Participation Requirements

Nov 14, 2022

UHC provided the following important updates on their Specialty products.


Financial Protection Off-Cycle Rules of the Road

These Financial Protection Products do NOT need underwriting approval to be added off-cycle:

  • Non-Contributory & Contributory Basic
  • Non-Contributory & Contributory Short Term Disability
  • Non-Contributory & Contributory Long Term Disability


These Financial Protection Products DO need underwriting approval to be added off-cycle:

  • Supplemental Life
  • Voluntary Short Term Disability
  • Voluntary Long Term Disability


Please note: the rate guarantee will be adjusted so the off-cycle products renew at policy anniversary.


Please contact your B&P Sales Representative to work on getting underwriting approval.


Basic Life and AD&D Availability 2-9 Eligible Employees

2-5 Eligible Employees:

  • May be sold without Medical, but must have 2 Additional Lines of Specialty


6-9 Eligible Employees:

  • May be sold without Medical


Disability Participation Requirements

Did you know that back injuries, cancer, heart disease, and other illnesses cause the majority of long-term absences for employees? It is important for employees to have Short Term and Long Term Disability coverage for when the unexpected may happen.


STD & LTD Participation Requirements


  • 100% ER Paid
  • 100% EE Participation



  • 25-99% ER Paid
  • 50% EE Participation



  • 0-24% ER Paid
  • 25% EE Participation


Contributory and Voluntary Disability are only available for groups with 10 or more Eligible Employees.


For questions or help with a UHC Specialty quote, please contact a member of your B&P Sales Team - 888.722.3373.

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