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UNC System Benefits

Highlights for 2023

OE22 UNC Benefits

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Back to Open Enrollment

The UNC System is taking over the life insurance plan and several other plans that have been under NCFlex. The Life Insurance Plans will be merged into one policy, which will allow for reduced rates and enhanced benefits.

  • Any NCFlex Life Insurance and/or Accidental Death & Dismemberment (AD&D) coverage you may already have will be automatically pulled into the new consolidated UNC plan for 2023.
  • For employee life insurance, the UNC plan limit is 10x salary, but you will not lose any employee coverage if your mapped amount is more than the limit.
    • The UNC plan uses a salary multiplier formula, which is different than the NCFlex plan, so your coverage may be rounded up when it is mapped over to the UNC plan.
  • Any coverage you may have for dependents will be mapped to $10,000, regardless of your current election since that is the only option offered under the UNC Life Insurance plan.

Your current beneficiaries will NOT be transferred over to the UNC System Enrollment Portal. You will need to log in to the UNC System Enrollment Portal to designate your beneficiaries if you’re currently enrolled in any of the following plans:

  • Life Insurance
  • AD&D — Core and/or Voluntary
  • Cancer & Specified Disease
  • Critical Illness

For details on updating beneficiaries and/or dependents for these plans, please refer to the guide provided within the UNC System Enrollment Portal.

 

Accidental Death & Dismemberment (AD&D)

AD&D plans will pay you or your beneficiary a benefit in the event of an accidental death or accidental dismemberment (loss of sight, hearing, limb, etc.). It is like life insurance but will only pay a claim if due to an accident. It will not pay a claim for a natural death such as cancer, heart attack, etc.

NEW for 2023:

  • As of Jan. 1, 2023, all benefits-eligible employees will automatically be enrolled for free in $10,000 of UNC Core AD&D coverage.
    • Although you no longer need to enroll to receive this free coverage, you WILL need to log in to the UNC System Enrollment Portal to designate any beneficiaries.
  • Both the Core and Voluntary AD&D plans are moving to UNC System Benefits.
  • Any NCFlex Voluntary AD&D coverage you currently have will be mapped to the exact same level of coverage.
    • For example, if you currently have $200,000 in Voluntary AD&D coverage through the NCFlex plan, you will now have $200,000 in Voluntary AD&D coverage under the UNC plan.

 
For more information, see the UNC Accidental Death & Dismemberment (AD&D) flyer from the Office of State Human Resources website.
 

Cancer & Specified Disease

Your health insurance plan covers the treatment of cancer; this Cancer & Specified Disease plan pays a cash benefit directly for the treatment of cancer or specified diseases.

NEW for 2023:

  • Plan premiums are decreasing.
  • Evidence of Insurability (medical underwriting) will not be required to enroll.
  • This plan is moving to UNC System Benefits.

 
For more information, see the Cancer & Specified Disease page of the Office of State Human Resources website.
 

Critical Illness

The Critical Illness plan pays a lump-sum benefit directly to you in the event of a heart attack/stroke, cancer, or major organ failure. Keep in mind that pre-existing conditions during the first 12 months of coverage apply.

NEW for 2023:

  • Evidence of Insurability (medical underwriting) will not be required to enroll.
  • This plan is moving to a new vendor, Voya.
  • This plan is moving to UNC System Benefits.

 
For more information, see the Critical Illness page of the Office of State Human Resources website.
 

Group Term Life

Group Term Life insurance is pure life insurance only. There is no cash value. This plan pays a benefit for loss of life, whether accidental or natural death.

Under the new consolidated Group Term Life Insurance with the UNC System, Securian is the vendor for this plan. You can review the UNC Group Term Life Insurance Summary from the UNC System.
 

Questions?

If you have questions or need help with the UNC System Enrollment Portal, call the UNC System Benefits Service Center at 833-862-1490, Monday-Friday, 9 a.m.-6 p.m.
 

You will use the UNC System Enrollment Portal to make your elections for UNC System Benefits.

Online Resources

This information applies only to UNC-Chapel Hill benefits-eligible permanent employees (permanent full- and part-time SHRA, EHRA Non-Faculty and Faculty working a minimum of 20 hours a week). For more information about benefits eligibility, please visit hr.unc.edu/benefits/eligibility.