Voluntary benefits for UCHealth
Accident · Critical Illness · Plan highlights
Prepared for University of Colorado Health (UCHealth)
UCHealth is offering Accident and Critical Illness insurance at group rates from Reliance Matrix, a trusted benefits carrier for over a century. Both plans pay a fixed lump sum directly to you — on top of what your medical plan covers — to use however recovery requires.
100% employee-paid at group rates, deducted from your paycheck. Guaranteed approval on Accident and guaranteed issue on Critical Illness during approved enrollment periods.
$4.34
Accident coverage per month
Employee-only rate
$30,000
Critical Illness guaranteed issue
No medical questions
0
Waiting period on both plans
Covered from your effective date
100%
Paid directly to you
Spend it however you choose
The point is simple
Even with major medical coverage, a single ER visit or diagnosis can leave you with copays, deductibles and bills that don't pause. These plans put cash in your hands so recovery stays the priority.
Two plans, one goal
Both plans are voluntary, 100% employee-paid, and portable if you leave UCHealth. Enroll in one or both — they pay independently of each other and of your health insurance.
Fixed benefits for every covered injury, treatment and service.
A lump sum on diagnosis of heart attack, stroke, cancer and more.
Accident insurance · Policy VAI2000041873
Every covered injury, treatment and service has a set dollar amount. You are paid that scheduled amount regardless of what your medical plan pays — and more than one benefit can be payable for the same accident.
Contribution
100% employee paid
No medical questions required.
Injuries that occur outside the United States are covered.
Coverage is available to you, your spouse and your children.
Sample claim
Accident
You fracture a leg in a covered skiing accident.
Day 1
Covered event
Care sought
You are transported by ambulance and seen in the emergency room the same day.
0
Waiting period
Treatment received
X-rays, fracture care, a hospital stay, follow-up physician visits and therapy.
6
Scheduled benefits
Claim filed
The claim is submitted to Reliance Matrix and reviewed against the benefit schedule.
Fixed
Benefit schedule
Benefit paid
Benefit paid based upon the schedule, directly to the insured.
$2,398.50
Paid to insured
$2,398.50
Cash where it's needed. The benefit can be applied to deductibles and coinsurance, prescriptions, transportation, childcare, or everyday household bills — whatever keeps recovery the priority.
Monthly rates
Employee only
$4.34/ mo
Employee + spouse
$8.69/ mo
Employee + child(ren)
$10.21/ mo
Employee + family
$12.45/ mo
Rates shown are monthly payroll deductions and include all covered benefits described in this summary.
Sample claim scenario
An employee dislocates a shoulder at the gym and requires shoulder surgery and rotator cuff surgery.
Paid directly to the insured; amounts are illustrative.
Schedule of benefits
Dislocations and fractures show the surgical amount first, then non-surgical. Multiple fractures or dislocations from one accident pay 200% of the highest single benefit.
87 scheduled benefits across 8 categories
| 2nd degree — less than 10% of body | $160 |
| 2nd degree — 10% to <25% of body | $320 |
| 2nd degree — 25% to <35% of body | $640 |
| 2nd degree — 35% or more of body | $1,280 |
| 3rd degree — less than 10% of body | $1,280 |
| 3rd degree — 10% to <25% of body | $2,560 |
| 3rd degree — 25% to <35% of body | $5,120 |
| 3rd degree — 35% or more of body | $10,240 |
| Skin graftof burn benefit | 50% |
Critical illness insurance · Policy VCI2000088235
A fixed, lump-sum benefit upon diagnosis of a covered condition — heart attack, stroke, cancer and more — paid directly to you, to use however you choose.
Contribution
100% employee paid
Why it matters
Benefit amounts
| Employee | Choose $15,000 or $30,000 |
| Spouse | 50% of employee coverage |
| Child(ren) | 50% of employee coverage |
Guaranteed issue
The maximum coverage you and your spouse can elect without providing evidence of insurability — no medical questions asked. Applies to elections made during an approved enrollment period.
$30,000
Employee
Guaranteed issue
$15,000
Spouse
Guaranteed issue
All
Child(ren)
All child amounts are guaranteed issue
Sample claim
Diagnosis
You are diagnosed with a covered condition after the effective date, such as a heart attack.
Day 1
Covered event
Claim filed
The claim and the physician's confirmation of diagnosis are submitted to Reliance Matrix.
0
Waiting period
Assessment
We verify the diagnosis against the certificate — heart attack pays 100% of your benefit.
100%
Of elected benefit
Benefit paid
The lump sum is paid directly to you, with no restrictions on how it is used.
$15,000
Paid to insured
$15,000
Cash where it's needed. The benefit can be applied to deductibles and coinsurance, prescriptions, transportation, childcare, or everyday household bills — whatever keeps recovery the priority.
We pay 100% of the benefit for a covered Critical Illness that is the same Critical Illness previously diagnosed and for which a benefit was paid. No separation period.
We pay 100% for a covered Critical Illness that is different from a Critical Illness previously diagnosed and paid. No separation period.
Benefits are payable for covered conditions diagnosed after your coverage effective date.
There is no pre-existing condition limitation on this plan.
Covered conditions
Percentages are of your elected coverage amount. A $30,000 election pays $30,000 for a 100% condition, $15,000 for a 50% condition, and $7,500 for a 25% condition.
Common questions
For anything not covered here, contact your UCHealth Human Resources benefits manager or visit mybenefits.reliancematrix.com.
24-hour travel assistance
Emergency medical, legal and travel assistance information and referral services are available 24 hours a day, 365 days a year through On Call International.
Travel assistance services are available only upon enrollment in the plan and on or after your coverage effective date. Services are provided by On Call International under the terms of a service agreement with Reliance Standard Life Insurance Company. On Call International is not affiliated with Reliance Standard. These services are not insurance and are not a benefit of the policy.
Important plan information
