Insurance Benefits

Rest insured, we have you covered

Union Bank & Trust is dedicated to the health and well-being of our people. That’s why we offer a comprehensive array of insurance benefits to encourage healthy behavior, empower healthy decision-making, and further your pursuit of optimal health. Learn more about the various types of coverage you can enroll in at UBT.

A broad range of coverage

Health insurance

Aetna Preferred Provider Network
Claims Administrator: Meritain
Your Care Coordinator: AptaHealth

Choose from two plans to get the coverage that best suits your needs.

Dental insurance

Carrier: Ameritas

Comprehensive dental coverage that includes up to four cleanings per year.

Vision insurance

Carrier: VSP

Maintain your eye health, plus coverage for corrective lenses.

Health Benefit Accounts

Carrier: Omnify Health Benefit Solutions

Tax-advantaged accounts to boost your well-being. 

Basic + supplemental life insurance

Carrier: Assurity Life Insurance

Basic life insurance is automatically given, with the option to supplement.

Long-term disability

Carrier: Assurity Life Insurance 

Coverage for 60% of your base monthly salary is offered free.

Cancer insurance

Carrier: Allstate

Get additional coverage for cancer treatment or other serious diagnoses.

Pet insurance

Carrier: Nationwide

Protect yourself from large or unexpected vet bills for your furry friend.

Hospital indemnity + critical illness insurance

Carrier: Assurity Life Insurance

Fill in gaps in your coverage for hospital costs or critical illnesses.

Accident expense insurance

Carrier: Assurity Life Insurance

Supplemental insurance that protects you in the event of an accident.

Accidental death + dismemberment insurance

Carrier: Assurity Life Insurance

Protection for you and your family in the event of a serious injury or death.

Short-term disability salary continuation program

UBT’s short-term disability salary continuation policy offers pay to associates while they are recovering from extended illnesses and injuries. After a two-week waiting period, UBT will begin paying a portion of your base monthly salary if you are injured or ill (including maternity) and unable to work for an extended period of time. Associates receive 100% of lost income for four weeks and 60% for an additional 20 weeks. Officer-level associates receive 100% of lost income for a full 24 weeks. You are automatically eligible for this program beginning the first of the month, following one full month of continuous service greater than 30 hours per week.

This guide is intended to be a general description of the Benefits Program offered by Union Bank & Trust. It is not intended to be a summary plan description (SPD). If there are differences between this guide and the SPD or plan document, the terms of the SPD and plan document should be considered definitive. Union Bank & Trust and any successors reserve the right to change, amend, terminate, or modify the provisions of these plans and programs with or without advance notice. The description of the program, the plan itself, or participation in the plan is not an employment contract or any type of employment guarantee and should not be construed as such. Nothing in this guide is intended to provide medical, tax or legal advice.