Premium cost is based on the level of coverage chosen by the employee. Top of the page Life Insurance UM offers life insurance programs up to 5 times the employee's salary. Permanent and term life insurance is available for employees. Term life insurance is available for an employee's spouse and children. UM provides for 1x annual salary at no cost to the employee and subsidizes 2x salary.
Additional coverages are available at various costs.
Top of the page Long Term Disability UM offers long term disability coverage to provide the employee with partial income lost due to disability resulting from accident or illness. Family coverage, as well as separate pilot coverage, is also available. The employee pays all cost. Reduced benefits are available for early retirement. A pre-retirement death benefit is also available.