Document:

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                                                                   EXHIBIT 10(h)

                             EMPLOYMENT AGREEMENT

     This Agreement is made effective this 19th day of May, 1998 (the
"Effective Date") by and between Arnold H. Kaplan ("Executive") and United
HealthCare Services, Inc. ("UHS") (when used in this Agreement, UHS includes
any affiliated entity of UHS) for the purpose of setting forth certain terms
and conditions of Executive's employment by UHS and to protect UHS's
knowledge, expertise, customer relationships and the confidential information
UHS has developed about its customers, products, operations and services. As
of the Effective Date, this Agreement supersedes any prior employment-related
agreement or agreements between Executive and UHS or any subsidiary or
affiliate of UHS.

1.   EMPLOYMENT AND DUTIES.

     A.     EMPLOYMENT. UHS hereby directly or through its subsidiaries
     employs Executive. Executive accepts such employment on the terms and
     conditions set forth in this Agreement and, except as specifically
     superseded by this Agreement, subject to all of UHS's policies and
     procedures in regard to its employees.

     B.     DUTIES. Executive shall perform such duties as are commonly
     associated with his position as the Chief Financial Officer of United
     HealthCare Corporation ("UHC") or such other senior executive level
     responsibilities as are reasonably assigned to Executive by his
     supervisor from time-to-time. As Chief Financial Officer, Executive will
     report directly to UHC's Senior Executive Vice President, such
     executive's successor, or another member of UHC's Office of the
     Chairman, excluding, however, any Chief Administrative Officer that may
     from time to time be appointed by UHC and serve as a member of the Office
     of the Chairman. Executive agrees to devote substantially all of his
     business time and energy to the performance of his duties in a diligent
     and proper manner. UHS acknowledges that Executive shall maintain his
     permanent residence in Emmaus, Pennsylvania.

2.   COMPENSATION.

     A.     BASE SALARY. Executive shall initially be paid a base annual
     salary in the amount of $375,000 payable bi-weekly, less all applicable
     withholdings and deductions. Executive shall receive a periodic
     performance review from his supervisor and consideration for an increase
     of such base salary.

     B.     BONUS AND STOCK PLANS. Executive shall be eligible to participate
     in UHS's incentive compensation plans and its stock option and grant
     plans, in accordance with the terms and conditions of those plans and
     applicable laws and regulations. Without limiting the generality of the
     foregoing, as long as Executive remains employed by UHS:

     1.  Executive will be entitled to participate in the UHC Management
     Incentive Program. Executive's minimum initial participation will be 75%
     of Executive's base annual salary. For 1998, Executive's payment, before
     applicable withholding and deductions, shall not be less than $141,000.
     For 1999, Executive's payment before applicable withholding and
     deductions shall not be less than the sum of $141,000 and half of the
     product of the "factor" applied to Executive's functional unit and
     Executive's then participation factor.

     2.  Executive will be entitled to participate in the UHC Long Term
     Incentive Plan. Executive's participation shall include UHS' start up
     cycle and first cycle on a time-calculated pro rata basis beginning on
     the Effective Date.

     3.  Executive will be entitled to participate in the UHC Stock Option
     Plan from and after the Effective Date without any proration or other
     limitation based on length of tenure. While not contractually binding, UHC
     has advised Executive that currently executives comparable to Executive
     annually receive options to purchase

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     approximately 25,000 shares of UHC Common Stock. Pursuant to the UHC
     Stock Option Plan, Executive will receive an initial option grant to
     purchase 75,000 shares of UHC Common Stock at an exercise price of
     $32.25, which option grant will vest equally over a four-year period on
     the anniversary of Executive's employment. Options granted to
     Executive, including the initial option grant described above, will
     fully vest upon Executive's retirement or any other termination of this
     Agreement, other than a termination for Cause as herein defined. Options
     granted to Executive, once vested, shall remain exercisable for the
     remaining term of the option, subject to any forfeiture or "clawback"
     provisions in any option. Any stock options granted to Executive will
     provide that upon a UHC change of control all options granted to
     Executive shall be deemed fully vested.

     C.     INITIAL BONUS. As an additional incentive payment, UHS agrees to
    pay Executive a one-time payment of $30,000, less all applicable
    withholding and deductions provided that Executive commences employment no
    later than July 1, 1998. This payment will be made approximately one month
    following the date on which Executive commences active employment hereunder.

    D.      MOVING ALLOWANCE. UHS will provide Executive with relocation
    benefits equal to $75,000 in accordance with UHS policies previously
    provided to Executive. In addition, for a period of six months following
    July 1, 1998, UHS will reimburse Executive for reasonable transition
    expenses that Executive incurs. UHS will reimburse Executive the cost of
    any federal and state income taxes payable with respect to the payments
    made under this paragraph.

    E.      EMPLOYEE BENEFITS. The Executive shall be eligible to participate
    in UHS's other employee benefit plans, including without limitation, any
    life, health, dental, short-term and long-term disability insurance
    coverages and any retirement plans, in accordance with the terms and
    conditions of those plans and applicable laws and regulations. Without
    limiting the generality of the foregoing, Executive will be entitled to
    receive a monthly benefit payment of $1,200, a one-time payment of $750 for
    business related expenses, and annual financial planning benefits up to
    $6,000, all in accordance with the terms and conditions of such plans and
    programs.

    F.      VACATION; ILLNESS. Executive shall be entitled to paid vacation
    and sick leave each year in accordance with UHS's then-current policies.

3.  TERM AND TERMINATION.

    A.      TERM. The term of this Agreement shall begin on the Effective
    Date and shall continue unless and until terminated as set forth in
    Section 3B.

    B.      TERMINATION OF AGREEMENT AND/OR EMPLOYMENT.

            1.    This Agreement may be terminated at any time by the mutual
            written agreement of the parties.

            2.    UHS may terminate Executive's employment or terminate this
            Agreement by giving written notice of termination which is received
            by Executive at least 30 days before the effective date of
            termination of employment or of this Agreement, as the case may be.

            3.    Executive may terminate his employment by giving written
            notice of termination of employment which is received by UHS at
            least 30 days before the effective date of termination of
            employment.

            4.    This Agreement shall automatically terminate on the
            effective date of the termination of Executive's employment or on
            the date of Executive's death, retirement or permanent and total

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          disability which renders Executive incapable of performing
          Executive's duties.  UHS has the sole discretion to determine
          whether Executive is permanently or totally disabled with the
          meaning of this Section 3B4.

     C.   SEVERANCE EVENTS AND COMPENSATION.  In the event (i) Executive's
     employment with UHS is terminated by UHS pursuant to Section 3B2 and
     without Cause or (ii) a Change in Employment occurs which Executive
     elects to treat as a termination of Executive's employment under
     Section 3B2 ((i) and (ii) are collectively referred to as the "Severance
     Events"), then:

          1.     For the "Severance Period," as hereinafter defined,
          Executive shall receive biweekly payments equal to the greater of
          (a)(i) the quotient of $1,000,000 and 36 if the Severence Event
          occurs within 24 months of the Effective Date or (ii) the quotient
          of $700,000 and 24 if the Severance Event occurs more than 24
          months after the Effective Date but within 36 months of the
          Effective Date and (b) an amount equal to 1/26 of (i) Executive's
          annualized base salary at the effective date of termination, plus
          (ii) one-half of the total of any bonus or incentive compensation
          (but not including any special or one-time bonus or incentive
          compensation payments) paid or payable to Executive for the two
          most recent calendar years or other periods generally used by UHS
          to determine such bonus or incentive compensation, or if Executive
          has been eligible for such bonus or incentive compensation payments
          for less than two such periods, the last such payment paid or
          payable to Executive (the amounts paid pursuant to (a) or (b) are
          referred to as the "Severance Compensation").  The Severance
          Compensation shall be reduced by any compensation which Executive
          receives or reasonably could have received in each biweekly period
          as a result of employment or work as an independent contractor
          elsewhere.  Executive shall promptly disclose to UHS any such
          compensation.  For purposes of this Agreement, the "Severance
          Period" shall equal:  18 months if a Severance Event occurs within
          24 months of the Effective Date; 12 months if a Severance Event
          occurs more than 24 but within 36 months of the Effective Date;
          and such period of time as is consistent with UHS' then prevailing
          severance policies for executive officers comparable to the Executive
          if a Severance Event occurs more than 36 months after the Effective
          Date. Any payments hereunder will be reduced by all applicable
          withholdings or deductions required by law or Executive's elections
          under any employee benefit plans which Executive continues to
          participate in under Section 3C2.  If a Severance Event occurs more
          than 36 months after the Effective Date in connection with a change
          of control of UHC Executive shall receive Severance Compensation
          equal to the greater of $700,000 or such amount as is payable in
          accordance with UHC's prevailing policies.

          2.     As of the effective date of termination of employment,
          Executive shall cease to be eligible for all benefit plans
          maintained by UHS, except as required by federal or state
          continuation of coverage laws.  If Executive elects continuation of
          coverage under one or more benefit plans subject to such
          continuation requirements, UHS shall, for the Severance Period, pay
          on behalf of Executive an amount equal to UHS's employer
          contribution for similarly situated active employees' coverages
          under such benefit plans.  During the Severance Period Executive's
          share of coverage costs for such benefit plans shall be deducted
          automatically through after-tax payroll deduction from the
          Severance Compensation.

          3.     During the Severance Period UHS shall pay to an outplacement
          firm selected by UHS an amount deemed reasonable by UHS for
          outplacement and job search services for Executive.

          4.     Executive shall be paid a portion of the Management
          Incentive Program payments for the year in which termination of
          this Agreement occurs and shall also be entitled to a portion of
          the payments under the Long-Term Incentive Plan.  Payments shall be
          prorated based on the time at which this Agreement terminates and
          shall be paid promptly following their determination in accordance
          with the plans.

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     The payments and benefits to Executive under this Section 3C shall be the
     sole liability of UHS to Executive in the event of a Severance Event and
     shall replace and be in lieu of any payments or benefits which otherwise
     might be owed by UHS under any other severance plan or program and such
     payments and benefits may be conditioned by UHS upon receipt of a release
     of claims from Executive.

     D.   DEFINITIONS AND PROCEDURE.

          1.     For purposes of this Agreement, "Cause" shall mean (a) the
          refusal of Executive to follow the reasonable directions of UHS's
          Board of Directors or Executive's supervisor or to perform any duties
          reasonably required on material matters by UHS, (b) material
          violations of UHS's Code of Conduct or (c) the commission of any
          criminal act of fraud or dishonesty by Executive in connection with
          Executive's employment by UHS.  Prior to the termination of
          Executive's employment under subsection (a) of this Cause definition,
          UHS shall provide Executive with a 30 day notice specifying the basis
          for Cause.  If the Cause described in the notice is cured to UHS's
          reasonable satisfaction prior to the end of the 30 day notice
          period, Executive's employment shall not be terminated on that
          basis.

          2.     For purposes of this Agreement a "Change in Employment"
          shall be deemed to have occurred (a) if (i) Executive's duties are
          materially adversely changed without Executive's prior consent or
          (ii) Executive's salary or benefits are reduced other than as a
          general reduction of salaries and benefits by UHS or (iii) without
          terminating Executive's employment this Agreement is terminated by
          UHS pursuant to Section 3B2, and (b) if in each case under
          subsections (a) (i), (ii), and (iii), in the period beginning 60
          days before the time the Change in Employment occurs, Cause does
          not exist or if Cause does exist UHS has not given Executive
          written notice that Cause exists.  Executive may elect to treat a
          Change in Employment as a termination of employment by UHS. To do
          so Executive shall send written notice of such election to UHS
          within 60 days after the date Executive receives notice from UHS or
          otherwise is definitively informed of the events constituting the
          Change in Employment.  No Change in Employment shall be deemed to have
          occurred if Executive fails to send the notice of election within
          the 60 day period.  Executive's failure to treat a particular
          Change in Employment as a termination of employment shall not
          preclude Executive from treating a subsequent Change in Employment
          as a termination of employment.  The effective date of a Change in
          Employment termination shall be the date 30 days after UHS receives
          the written notice of election.

4.  PROPERTY RIGHTS, CONFIDENTIALITY, NON-SOLICIT AND NON-COMPETE PROVISIONS.

    A.    UHS'S PROPERTY.

          1.     Executive shall promptly disclose to UHS in writing all
          inventions, discoveries and works of authorship, whether or not
          patentable or copyrightable, which are conceived, made, discovered,
          written or created by Executive alone or jointly with another
          person, group or entity, whether during the normal hours of
          employment at UHS or on Executive's own time, during the term of
          this Agreement.  Executive assigns all rights to all such
          inventions and works of authorship to UHS.  Executive shall give
          UHS any assistance it reasonably requires in order for UHS to
          perfect, protect, and use its rights to inventions and works of
          authorship.

          This provision shall not apply to an invention for which no
          equipment, supplies, facility or trade secret information of UHS
          was used and which was developed entirely on the Executive's own
          time and which (1) does not relate to the business of UHS or to
          UHS's anticipated research or development, or (2) does not result
          from any work performed by the Executive for UHS.

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          2.     Executive shall not remove any records, documents, or any other
          tangible items (excluding Executive's personal property) from the
          premises of UHS in either original or duplicate form, except as is
          needed in the ordinary course of conducting business for UHS.

          3.     Executive shall immediately deliver to UHS, upon termination of
          employment with UHS, or at any other time upon UHS's request, any
          property, records, documents, and other tangible items (excluding
          Executive's personal property) in Executive's possession or control,
          including data incorporated in word processing, computer and other
          data storage media, and all copies of such records, documents and
          information, including all Confidential Information, as defined
          below.

    B.    CONFIDENTIAL INFORMATION.  During the course of his employment
    Executive will develop, become aware of and accumulate expertise,
    knowledge and information regarding UHS's organization, strategies,
    business and operations and UHS's past, current or potential
    customers and suppliers. UHS considers such expertise, knowledge and
    information to be valuable, confidential and proprietary and it
    shall be considered Confidential Information for purposes of this
    Agreement. During this Agreement and at all times thereafter
    Executive shall not use such Confidential Information or disclose it
    to other persons or entities except as is necessary for the
    performance of Executive's duties for UHS or as has been expressly
    permitted in writing by UHS.

    C.    NON-SOLICITATION.  During (i) the term of this Agreement, (ii) any
    period for which Executive is receiving payments under Section 3C of
    this Agreement, (iii) any period following the termination or
    expiration of this Agreement during which Executive remains employed
    by UHS and (iv) for a period of one year after the last day of the
    latest of any period described in (i), (ii) or (iii), Executive
    shall not (y) directly or indirectly attempt to hire away any
    then-current employee of UHS or a subsidiary of UHS or to persuade
    any such employee to leave employment with UHS, or (z) directly or
    indirectly solicit, divert, or take away, or attempt to solicit,
    divert, or take away, the business of any person, partnership,
    company or corporation with whom UHS (including any subsidiary or
    affiliated company in which UHS has a more than 20% equity interest)
    has established or is actively seeking to establish a business or
    customer relationship.

    D.    NON-COMPETITION.  During (i) the term of this Agreement, (ii) any
    period for which Executive is receiving payments under Section 3C of
    this Agreement, and (iii) any period following the termination or
    expiration of this Agreement during which Executive remains employed
    by UHS, Executive shall not, without UHS's prior written consent,
    engage or participate, either individually or as an employee,
    consultant or principal, partner, agent, trustee, officer or
    director of a corporation, partnership or other business entity, in
    any business in which UHS (including any subsidiary or affiliated
    company in which UHS has a more than 20% equity interest) is
    engaged. In the event that Executive elects to terminate Executive's
    employment pursuant to Section 3B3, UHS may elect to have the
    provisions of this Section 4D be in effect for up to 18 months
    following the effective date of such resignation if, during the
    period up to 18 months specified by UHS, UHS pays Executive biweekly
    payments equal to 1/26 of the Severance Compensation. UHS must send
    written notice of such election within 10 days after it receives
    written notice of the termination of employment. Executive shall use
    reasonable efforts to find appropriate employment or work as an
    independent contractor not inconsistent with this Section 4D and a
    biweekly payment shall be reduced by any compensation which
    Executive receives or reasonably could have received in that
    biweekly period as a result of employment or work as an independent
    contractor elsewhere. Executive shall promptly disclose to UHS any
    such compensation.

5.  MISCELLANEOUS.

    A.  ASSIGNMENT.  This Agreement shall be binding upon and shall
    inure to the benefit of the parties and their successors and assigns,
    but may not be assigned by either party without the prior written
    consent of the other party, except that UHS in its sole discretion
    may assign this Agreement to an entity controlled by UHS at the time
    of the assignment. If UHS subsequently loses or gives up control of
    the entity to which this

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    Agreement is assigned, such entity shall become UHS for all purposes
    under this Agreement, beginning on the date on which UHS loses or
    gives up control of the entity. Any successor to UHS shall be deemed
    to be UHS for all purposes of this Agreement.

    B.  NOTICES.  All notices under this Agreement shall be in writing
    and shall be deemed to have been duly given if delivered by hand or
    mailed by registered or certified mail, return receipt requested,
    postage prepaid, to the party to receive the same at the address set
    forth below or at such other address as may have been furnished by
    proper notice.

                   UHS:          300 Opus Center
                                 9900 Bren Road East
                                 Minnetonka, MN 55343
                                 Attn: General Counsel

                   Executive:

    C.  ENTIRE AGREEMENT.  This Agreement contains the entire
    understanding of the parties with respect to its subject matter and
    may be amended or modified only by a subsequent written amendment
    executed by the parties.  This Agreement replaces and supersedes any
    and all prior employment or employment related agreements and
    understandings, including any letters or memos which may have been
    construed as agreements, between the Executive and UHS or any of
    its subsidiaries and affiliated companies.

    D.  CHOICE OF LAW.  This Agreement shall be construed and
    interpreted under the applicable laws and decisions of the State of
    Minnesota

    E.  WAIVERS.  No failure on the part of either party to exercise,
    and no delay in exercising, any right or remedy under this Agreement
    shall operate as a waiver, nor shall any single or partial exercise
    of any right or remedy preclude any other or further exercise of any
    right or remedy.

    F.  ADEQUACY OF CONSIDERATION.  Executive acknowledges and agrees
    that he/she has received adequate consideration from UHS to enter
    into this Agreement.

    G.  DISPUTE RESOLUTION AND REMEDIES.  Any dispute arising between
    the parties relating to this Agreement and future agreements or to
    Executive's employment by UHS shall be resolved by binding
    arbitration pursuant to the Rules of the American Arbitration
    Association. In no event may the arbitration be initiated more than
    one year after the date one party first gave written notice of the
    dispute to the other party. The arbitrators shall not ignore or vary
    the terms of this Agreement and shall be bound by and apply
    controlling law, but may not in any case award any
    punitive or exemplary damages. The parties acknowledge that
    Executive's failure to comply with the Confidential Information,
    Non-Solicitation and Non-Competition provisions of this Agreement
    will cause immediate and irreparable injury to UHS and that
    therefore the arbitrators, or a court of competent jurisdiction if
    an arbitration panel cannot be immediately convened, will be
    empowered to provide injunctive relief, including temporary or
    preliminary relief, to restrain any such failure to comply.

    H.  NO THIRD-PARTY BENEFICIARIES.  This Agreement shall not confer
    or be deemed or construed to confer any rights or benefits upon any
    person other than the parties.

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    THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION THAT MAY BE
    ENFORCED BY THE PARTIES.

    UNITED HEALTHCARE SERVICES, INC.

    By /s/ Stephen J. Hemsley              /s/ Arnold H. Kaplan
       -------------------------------    -------------------------------
       Stephen J. Hemsley                 Arnold H. Kaplan

                                       7<PAGE>

                                                              EXHIBIT 10(i)

                            EMPLOYMENT AGREEMENT

         This Agreement, effective as of October 16, 1998 (the "Effective
Date"), is made by and between Lois E. Quam ("Executive") and United
HealthCare Services, Inc. ("United HealthCare") for the purpose of setting
forth the terms and conditions of Executive's employment by United
HealthCare, or an affiliate or subsidiary of United HealthCare, and to
protect United HealthCare's knowledge, expertise, customer relationships and
the confidential information United HealthCare has developed about its
customers, products, operations and services.  Unless the context otherwise
requires, when used in this Agreement "United HealthCare" includes any entity
affiliated with United HealthCare.

        WHEREAS, as additional consideration for entering into this Agreement
Executive shall receive, upon execution of this Agreement, a nonqualified
stock option to purchase 40,000 shares of United HealthCare Corporation
("UHC") common stock with a grant date the same as the Effective Date
pursuant to the terms of the UHC Amended and Restated 1991 Stock and
Incentive Plan.

        WHEREAS, Executive and United HealthCare desire to enter into this
Agreement, which shall supersede any and all other prior employment-related
agreements between Executive and United HealthCare.

        NOW THEREFORE, in consideration of the premises and the mutual
covenants herein contained and intending to be legally bound hereby, the
parties hereto agree as follows:

1.  EMPLOYMENT AND DUTIES; TERMINATION OF PRIOR AGREEMENTS.

    A.  EMPLOYMENT.  United HealthCare hereby employs Executive, either
    directly or through an affiliate or subsidiary of United HealthCare, and
    Executive hereby accepts such employment on the terms and conditions set
    forth in this Agreement.  Except as specifically superseded by this
    Agreement, Executive's employment hereunder shall be subject to all of
    United HealthCare's policies and procedures in regard to its employees.
    Executive's employment hereunder shall begin on the Effective Date and
    shall continue until terminated as set forth in Section 3 hereof.

    B.  DUTIES.  Executive shall initially hold the executive level position
    of CEO, Ovations and perform the duties associated therewith.  Executive
    shall perform such other executive level responsibilities as are
    reasonably assigned Executive from time to time.  Executive agrees to
    devote substantially all of Executive's business time and energy to the
    performance of Executive's duties in a diligent and proper manner.

    C.  TERMINATION OF PRIOR AGREEMENTS.  As of the Effective Date all other
    prior employment related agreements between Executive and United
    HealthCare will terminate in their entirety and no longer be of any force
    or effect.

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2.  COMPENSATION.

    A.  BASE SALARY.  Executive shall initially be paid a base annual salary,
    payable biweekly, less all applicable withholdings and deductions (the
    "Initial Base Salary").  Executive shall receive a periodic performance
    review and consideration for an increase in the Initial Base Salary.

    B.  BONUS AND STOCK PLANS.  Executive shall be eligible to participate in
    the incentive compensation plans and the stock option and grant plans
    maintained by United HealthCare or an affiliate or subsidiary of United
    HealthCare, in the sole discretion of United HealthCare and in accordance
    with the terms and conditions of those plans and applicable laws and
    regulations.

    C.  EMPLOYEE BENEFITS.  Executive shall be eligible to participate in the
    employee benefit plans maintained by either United HealthCare or an
    affiliate or subsidiary of United HealthCare, including without
    limitation, any life, health, dental, short-term and long-term disability
    insurance coverages and any retirement plans, in the sole discretion of
    United HealthCare and in accordance with the terms and conditions of
    those plans and applicable laws and regulations.

    D.  VACATION; ILLNESS.  Executive shall be eligible for paid vacation and
    sick leave each year in accordance with the then-current policies of
    either United HealthCare or an affiliate or subsidiary of United
    HealthCare, in the sole discretion of United HealthCare and in accordance
    with the terms and conditions of those plans and applicable laws and
    regulations.

3.  TERM AND TERMINATION.

    A.  TERM.  The term of this Agreement shall begin on the Effective Date
    and shall continue until terminated as set forth in Section 3B.

    B.  TERMINATION OF AGREEMENT.

        1.  BY MUTUAL AGREEMENT.  This Agreement and Executive's employment
        hereunder may be terminated at any time by the mutual written
        agreement of the parties.

        2.  BY UNITED HEALTHCARE.  United HealthCare may terminate this
        Agreement and Executive's employment hereunder on 30 days' written
        notice.

        3.  BY EXECUTIVE.  Executive may terminate this Agreement and
        Executive's employment hereunder on 30 days' written notice.

        4.  DEATH, DISABILITY, ETC.  This Agreement and Executive's
        employment by United HealthCare shall terminate immediately upon
        Executive's death.  This Agreement

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    and Executive's employment hereunder shall automatically terminate in the
    event of a permanent and total disability which renders Executive incapable
    of performing Executive's duties, with or without reasonable accommodation.
    United HealthCare has the sole discretion to determine whether Executive is
    permanently or totally disabled with the meaning of this Section 3B4, and
    the effective date on which Executive was rendered so disabled.

C. EMPLOYEE BENEFITS.  On the effective date of the termination of this
Agreement and Executive's employment by United HealthCare, Executive shall
cease to be eligible for all employee benefit plans maintained by United
HealthCare, except as required by federal or state continuation of coverage
laws ("COBRA Benefits").  If Executive elects COBRA Benefits, Executive shall
pay the entire cost of such benefits either through after-tax payroll
deductions from the cash component of any severance compensation Executive
receives or directly if Executive does not receive such severance
compensation or if such severance compensation ceases.

D.  SEVERANCE EVENTS AND BENEFITS.  If a Severance Event, as hereinafter
defined, occurs, Executive shall receive the severance benefits set forth in
this Section 3D for a period of 12 months from the effective date of the
applicable Severance Event (the "Severance Period").  For purposes of this
Agreement a Severance Event shall occur if and when:

(i)    United HealthCare (a) terminates this Agreement and Executive's
       employment without Cause, as hereinafter defined, or (b) terminates
       this Agreement without terminating Executive's employment and Executive
       elects to treat such termination of this Agreement as a Change in
       Employment, as hereinafter defined (collectively a "Termination
       without Cause"), or

(ii)   Within two years following a Change in Control, as hereinafter
       defined, either (a) United HealthCare terminates this Agreement and
       Executive's employment without Cause, or (b) a Change in Employment
       occurs and Executive elects to treat such Change in Employment as a
       termination of Executive's employment (collectively a "Termination
       following a Change in Control").

    1. SEVERANCE COMPENSATION.  Executive shall receive the following
    severance compensation (the "Severance Compensation"):

        a) TERMINATION WITHOUT CAUSE.  Subject to Section 3D(1)(b) below,
        upon a Termination without Cause Executive shall receive biweekly
        payments equal to 1/26 of the sum of (1) two times Executive's
        annualized base salary as of the date of the Severance Event, less all
        applicable withholdings or deductions required by law and Executive's
        COBRA Benefit payments, if any, plus (2) one-half of the total of any
        bonus or incentive compensation paid or payable to Executive for the
        two most recent calendar years (excluding any special or one-time bonus
        or incentive compensation payments), or if Executive has been eligible
        for such bonus

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        or incentive compensation payments for less than two such periods, the
        last such payment paid or payable to Executive (excluding any special
        or one-time bonus or incentive compensation payments).

        b) TERMINATION FOLLOWING A CHANGE IN CONTROL.  Upon a Termination
        following a Change in Control, Executive shall receive biweekly
        payments equal to 1/26 of the sum of (1) three times Executive's
        highest annualized base salary during the 2 year period immediately
        preceding the Severance Event, less all applicable withholdings or
        deductions required by law and Executive's COBRA Benefit payments, if
        any, plus (2) the greater of (i) all bonuses that would be payable to
        Executive under any incentive compensation plans in which Executive
        then participates at Executive's then-current target level, or (ii)
        one-half of the total of any bonus or incentive compensation paid or
        payable to Executive for the two most recent calendar years (excluding
        any special or one-time bonus or incentive compensation payments), or
        if Executive has been eligible for such bonus or incentive compensation
        payments for less than two such periods, the last such payment paid or
        payable to Executive (excluding any special or one-time bonus or
        incentive compensation payments.

    2. CASH PAYMENT.  Executive shall receive a one-time cash payment within
    a reasonable time following commencement of the Severance Period in an
    amount equal to the portion of the premiums that United HealthCare, or its
    affiliate or subsidiary, as applicable, subsidizes for employee-only health,
    dental and group term life benefit coverages (the "Cash Payment").  The Cash
    Payment shall cover the Severance Period and shall be determined as of the
    effective date of the applicable Severance Event.

    3. JOB SEARCH FEES.  For a period not to exceed the Severance Period,
    United HealthCare shall pay to an outplacement firm selected by United
    HealthCare an amount deemed reasonable by United HealthCare for
    outplacement and job search services for Executive.

    4. EXCISE TAX PAYMENT. If any portion of the Severance Compensation
    payable upon a Termination following a Change in Control constitutes an
    Excess Parachute Payment, as hereinafter defined, such that an Excise Tax,
    as hereinafter defined, is due, Executive shall receive a one-time cash
    payment in an amount sufficient to cover (a) the full cost of the Excise
    Tax plus (b) Executive's federal, state and city income, employment and
    Excise Tax on this one-time cash payment and on all such iterative payments
    so that Executive is made entirely whole for the impact of the Excise Tax
    (collectively the "Gross-Up Payment").  United HealthCare shall calculate
    these amounts on a timely and accurate basis, and for this purpose Executive
    shall be deemed to be in the highest marginal rate of federal, state and
    city taxes.  The Gross-Up Payment shall be made within 30 days following the
    effective date of Executive's employment termination.  For purposes of this
    Agreement the term "Excess Parachute Payment" shall have the
<PAGE>

          meaning set forth in Section 280G of the Internal Revenue Code of
          1986, as amended (the "Code").  For purposes of this Agreement the
          term "Excise Tax" shall mean the tax imposed on an Excess Parachute
          Payment pursuant to Sections 280G and 4999 of the Code.

This Section 3D shall be the sole liability of United HealthCare to Executive
upon the termination of this Agreement and Executive's employment hereunder,
and shall replace and be in lieu of any payments or benefits which otherwise
might be owed Executive under any other severance plan or program maintained
by United HealthCare.  Such compensation and benefits shall be conditioned on
receipt by United HealthCare of a separation agreement and a release of
claims by Executive on terms and conditions acceptable to United HealthCare
in its sole discretion.

      E.  DEFINITIONS AND PROCEDURES.

          1.  CAUSE.  For purposes of this Agreement "Cause" shall mean (a)
          the refusal of Executive to follow the reasonable direction of the
          Board of Directors of United HealthCare or Executive's supervisor
          or to perform any duties reasonably required on material matters by
          United HealthCare, (b) material violations of United HealthCare's
          Code of Conduct or (c) the commission of any criminal act or act of
          fraud or dishonesty by Executive in connection with Executive's
          employment by United HealthCare.  Prior to the termination of
          Executive's employment under subsection (a) of this definition of
          Cause, United HealthCare shall provide Executive with a 30 day
          notice specifying the basis for Cause.  If the Cause described in
          the notice is cured to United HealthCare's reasonable satisfaction
          prior to the end of the 30 day notice period, Executive's
          employment hereunder shall not be terminated on that basis.

          2.  CHANGE IN CONTROL.  For purposes of this Agreement "Change in
          Control" shall mean (a) the acquisition by any person, entity or
          "group," within the meaning of Section 13(d)(3) or 14(d)(2) of the
          Securities Exchange Act of 1934 (the "Exchange Act"), other than
          United HealthCare or any employee benefit plan of United
          HealthCare, of beneficial ownership (as defined in the Exchange
          Act) of 20% or more of the common stock of UHC or the combined
          voting power of UHC's then-outstanding voting securities in a
          transaction or series of transactions not approved in advanced by a
          vote of at least three-quarters of the directors of UHC; (b) a
          change in 50% or more of the directors of UHC in any 12 month
          period; (c) the approval by the shareholders of UHC of a
          reorganization, merger, consolidation, liquidation or dissolution
          of UHC or of the sale (in one transaction or a series of related
          transactions) of all or substantially all of the assets of UHC
          other than a reorganization, merger, consolidation, liquidation,
          dissolution or sale approved in advance by a vote of at least
          three-quarters of the directors; (d) the first purchase under any
          tender offer or exchange offer (other than an offer by UHC)
          pursuant to which shares of UHC common stock are purchased; or (e)
          at least a majority of the directors of UHC determine in their sole
          discretion that there has been a change of control of UHC.
<PAGE>

          3.  CHANGE IN EMPLOYMENT.  For purposes of this Agreement a "Change
          in Employment" shall be deemed to have occurred (a) if (i)
          Executive's duties are materially and adversely changed without
          Executive's prior consent, (ii) Executive's salary or benefits are
          reduced other than as a general reduction of salaries and benefits
          by United HealthCare, (iii) without terminating Executive's
          employment United HealthCare terminates this Agreement, or (iv) the
          geographic location for the performance of Executive's duties
          hereunder is moved more than 50 miles from the geographic location
          at the Effective Date without Executive's prior consent, and (b) if
          in each case under subsections (a) (i), (ii), (iii) and (iv), in
          the period beginning 90 days before the time the Change in
          Employment occurs, Cause does not exist or if Cause does exist
          United HealthCare has not given Executive written notice that Cause
          exists.  Notwithstanding the foregoing, an isolated, insubstantial
          or inadvertent action by United HealthCare, which is remedied by
          United HealthCare within 30 days after receipt of notice thereof by
          Executive, shall not constitute a Change in Employment.  Executive
          may elect to treat a Change in Employment as a termination of this
          Agreement and Executive's employment hereunder.  To do so Executive
          shall send written notice of such election to United HealthCare
          within 90 days after the date Executive receives notice from United
          HealthCare or otherwise is definitively informed of the events
          constituting the Change in Employment.  No Change in Employment
          shall be deemed to have occurred if Executive fails to send the
          notice of election within the 90 day period.  Executive's failure
          to treat a particular Change in Employment as a termination of
          employment shall not preclude Executive from treating a subsequent
          Change in Employment as a termination of employment.  The effective
          date of a Change in Employment termination shall be the date 30
          days after United HealthCare receives the written notice of
          election.

4.  PROPERTY RIGHTS, CONFIDENTIALITY, NON-DISPARAGEMENT, NON-SOLICIT AND
NON-COMPETE PROVISIONS.

      A.  UNITED HEALTHCARE'S PROPERTY.

          1.  ASSIGNMENT OF PROPERTY RIGHTS.  Executive shall promptly
          disclose to United HealthCare in writing all inventions,
          discoveries and works of authorship, whether or not patentable or
          copyrightable, which are conceived, made, discovered, written or
          created by Executive alone or jointly with another person, group or
          entity, whether during the normal hours of employment at United
          HealthCare or on Executive's own time, during the term of this
          Agreement.  Executive assigns all rights to all such inventions and
          works of authorship to United HealthCare.  Executive shall give
          United HealthCare any assistance it reasonably requires in order
          for United HealthCare to perfect, protect, and use its rights to
          inventions and works of authorship.

          This provision shall not apply to an invention for which no
          equipment, supplies, facility or trade secret information of United
          HealthCare was used and which was

<PAGE>

          developed entirely on Executive's own time and which (1) does not
          relate to the business of United HealthCare or to United
          HealthCare's anticipated research or development, or (2) does not
          result from any work performed by the Executive for United
          HealthCare.

          2.  NO REMOVAL OF PROPERTY.  Executive shall not remove any
          records, documents, or any other tangible items (excluding
          Executive's personal property) from the premises of United
          HealthCare in either original or duplicate form, except as is
          needed in the ordinary course of conducting business for United
          HealthCare.

          3.  RETURN OF PROPERTY.  Executive shall immediately deliver to
          United HealthCare, upon termination of employment with United
          HealthCare, or at any other time upon United HealthCare's request,
          any property, records, documents, and other tangible items
          (excluding Executive's personal property) in Executive's possession
          or control, including data incorporated in word processing,
          computer and other data storage media, and all copies of such
          records, documents and information, including all Confidential
          Information, as defined below.

      B.  CONFIDENTIAL INFORMATION.  During the course of employment
      Executive will develop, become aware of and accumulate expertise,
      knowledge and information regarding United HealthCare's organization,
      strategies, business and operations and United HealthCare's past, current
      or potential customers and suppliers.  United HealthCare considers such
      expertise, knowledge and information to be valuable, confidential and
      proprietary and it shall be considered Confidential Information for
      purposes of this Agreement.  During this Agreement and at all times
      thereafter Executive shall not use such Confidential Information or
      disclose it to other persons or entities except as is necessary for the
      performance of Executive's duties for United HealthCare or as has been
      expressly permitted in writing by United HealthCare.  This Section 4B
      shall survive the termination of this Agreement.

      C.  NON-DISPARAGEMENT.  Executive agrees that he will not criticize,
      make any negative comments or otherwise disparage or put in disrepute
      United HealthCare, or those associated with United HealthCare, in any
      way, whether orally, in writing or otherwise, directly or by
      implication in communication with any person, including but not limited
      to customers or agents of United HealthCare.  This Section 4C shall
      survive the termination of this Agreement.

      D.  NON-SOLICITATION.  During (i) the term of this Agreement, (ii) the
      Severance Period or any period in which Executive receives severance
      compensation pursuant to United HealthCare' election under Section 4E,
      as applicable (iii) any period following the termination or expiration
      of this Agreement during which Executive remains employed by United
      HealthCare and (iv) for a period of one year after the last day of the
      latest of any period described in (i), (ii) or (iii), Executive shall
      not (y) directly or indirectly attempt to hire away any then-current
      employee of United HealthCare or a subsidiary of United HealthCare or
      to persuade any such employee to leave employment with United
      HealthCare, or (z) directly or indirectly solicit, divert, or take
      away, or attempt

<PAGE>

      to solicit, divert, or take away, the business of any person,
      partnership, company or corporation with whom United HealthCare
      (including any subsidiary or affiliated company in which United
      HealthCare has a more than 20% equity interest) has established or is
      actively seeking to establish a business or customer relationship.
      This Section 4D shall survive the termination of this Agreement.

      E.  NON-COMPETITION.  During (i) the term of this Agreement, (ii) the
      Severance Period or any period in which Executive receives severance
      compensation pursuant to United HealthCare's election under this
      Section 4E, as applicable, and (iii) any period following the
      termination or expiration of this Agreement during which Executive
      remains employed by United HealthCare, Executive shall not, without
      United HealthCare's prior written consent, engage or participate,
      either individually or as an employee, consultant or principal, partner,
      agent, trustee, officer or director of a corporation, partnership or
      other business entity, in any business in which United HealthCare
      (including any subsidiary or affiliated company in which United
      HealthCare has more than a 20% equity interest) is engaged.  If
      Executive terminates this Agreement, and as of such termination or
      within 90 days of such termination Executive also terminates
      Executive's employment by United HealthCare, United HealthCare may elect
      to have the provisions of this Section 4E be in effect for up to 24
      months following the effective date of Executive's employment
      termination if, during the period up to 24 months specified by United
      HealthCare, United HealthCare pays Executive severance compensation
      equal to biweekly payments of 1/26 of the Severance Compensation and the
      Cash Payment.  United HealthCare must send written notice of such
      election within 10 days after it receives written notice of
      Executive's termination of employment.  This Section 4E shall survive
      the termination of this Agreement.

  5.  MISCELLANEOUS.

      A.  ASSIGNMENT.  This agreement shall be binding upon and shall inure
      to the benefit of the parties and their successors and assigns, but may
      not be assigned by either party without the prior written consent of
      the other party, except that United HealthCare in its sole discretion
      may assign this Agreement to an entity controlled by United HealthCare
      at the time of the assignment.  If United HealthCare subsequently loses
      or gives up control of the entity to which this Agreement is assigned,
      such entity shall become United HealthCare for all purposes under this
      Agreement, beginning on the date on which United HealthCare loses or
      gives up control of the entity.  Any successor to United HealthCare
      shall be deemed to be United HealthCare for all purposes of this
      Agreement.

      B.  NOTICES.  All notices under this Agreement shall be in writing and
      shall be deemed to have been duly given if delivered by hand or mailed
      by registered or certified mail, return receipt requested, postage
      prepaid, to the party to receive the same at the address set forth
      below or at such other address as may have been furnished by proper
      notice.

                United HealthCare:         300 Opus Center

<PAGE>

                                       9900 Bren Road East
                                       Minnetonka, MN  55343
                                       Attn: General Counsel

                    Executive:

     C. ENTIRE AGREEMENT.  This Agreement contains the entire understanding
     of the parties with respect to its subject matter and may be amended or
     modified only by a subsequent written amendment executed by the parties.
     This Agreement replaces and supersedes any and all prior employment or
     employment related agreements and understandings, including any letters
     or memos which may have been construed as agreements, between the
     Executive and United HealthCare.

     D. CHOICE OF LAW.  This Agreement shall be construed and interpreted
     under the applicable laws and decisions of the State of Minnesota.

     E. WAIVERS.  No failure on the part of either party to exercise, and no
     delay in exercising, any right or remedy under this Agreement shall
     operate as a waiver; nor shall any single or partial exercise of any
     right or remedy preclude any other or further exercise of any right or
     remedy.

     F. ADEQUACY OF CONSIDERATION.  Executive acknowledges and agrees that
     Executive has received adequate consideration from United HealthCare to
     enter into this Agreement.

     G. DISPUTE RESOLUTION AND REMEDIES.  Any dispute arising between the
     parties relating to this Agreement or to Executive's employment by
     United HealthCare shall be resolved by binding arbitration pursuant to
     United HealthCare' Employment Arbitration Policy.  The arbitrators shall
     not ignore or vary the terms of this Agreement and shall be bound by and
     apply controlling law.  The parties acknowledge that Executive's failure
     to comply with the Confidential Information, Non-Solicitation and
     Non-Competition provisions of this Agreement will cause immediate and
     irreparable injury to United HealthCare and that therefore the
     arbitrators, or a court of competent jurisdiction if an arbitration
     panel cannot be immediately convened, will be empowered to provide
     injunctive relief, including temporary or preliminary relief, to
     restrain any such failure to comply.

     H. NO THIRD-PARTY BENEFICIARIES.  This Agreement shall not confer or be
     deemed or construed to confer any rights or benefits upon any person
     other than the parties.

THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION THAT MAY BE ENFORCED
BY THE PARTIES.

<PAGE>

         IN WITNESS WHEREOF, this Agreement has been signed by the parties
     hereto as of the Effective Date set forth above.

     United HealthCare Services, Inc.       Executive

     By   /s/ Robert J. Backes                /s/ Lois E. Quam
       ------------------------------       ---------------------------------
     Its  SRVPHR
        ------------------------------

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