Utica National Insurance Group - Insurance that starts with you.
Health and Life Insurance

You are eligible for these coverages beginning on the first day of your employment.

Stethescope, Rx, Thermometer & Syringe
  • Medical/Prescription Drug Benefit
    A Managed Care Plan with a network of hospitals and doctors is available for medical care. Non-network providers may be used in a Point-of-Service Plan. Prescription drugs are covered for both retail pharmacies and mail order. A Consumer-Driven Healthcare Program, which includes a company subsidized health reimbursement account, is also available.
    • Employee only - Company pays 90% of cost
    • Employee + dependent - Company pays 90% of employee cost and 55% of dependent cost

Toothbrush, dental floss, dental tools
  • Dental Benefit
    The plan pays benefits for the following services: Preventative and Diagnostic care, Restorative (Including Major Restorative), Oral Surgery, and Orthodontia Care.
    • Company pays 50% of the cost

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  • Life Insurance Benefit
    The life insurance amount selected is payable to your beneficiary upon your death.
    • $5,000 Group Life (Fully paid by Company)
    • Supplementary Group Life is available for an amount of up to two-and-a-half times your annual base salary (Company pays 50% of cost)

woman on couch with leg in cast
  • Short-Term Disability Benefit
    This benefit provides for the continuation of salary (based on length of service) to you if you become disabled due to a non-job-related sickness or injury. You must be certified as disabled by a licensed physician and subject to carrier approval.
    • Fully paid by Company

man walking along parallel bars with crutches on floor
  • Long-Term Disability Benefit
    This benefit provides for an income continuation benefit if you become totally and permanently disabled beyond 365 consecutive days due to a job- or non-job-related disability. You must be certified as disabled by a licensed physician and subject to carrier approval.
    • Company pays 50% of cost

two cars in head-on collision
  • Business Travel Benefit
    If an accident occurs while you are traveling on Company business, the plan provides benefits for accidental death, dismemberment, or total disability. Coverage is two times your base salary (up to $250,000).
    • Minimum coverage is $50,000
    • Fully paid by the Company

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