United Utility Services

Benefits Resource Center

Welcome United Utility Services Employees!

Welcome to your 2027 benefits hub for United Utility Services. Browse your plan options, watch the walkthroughs, and use the resources below to get the most out of what’s available to you.

The video below walks you through this year’s benefits at a glance. For the full breakdown, open the 2027 Benefits Guide, and when you’re ready, hit Enroll Now to lock in your selections.

Important Dates

Don't miss these key enrollment dates:

Oct 12 Enrollment opens

Oct 23 Enrollment closes

Jan 1 Coverage begins

Questions enrolling in benefits or claims coverage? Contact a benefits representative at:

800.514.0533

Important

Reminders for 2027

Effective January 1, 2027.

United Utility Services will now fund a Health Savings Account (HSA) for employees enrolled in the Green Plan: $1,000 for employee-only coverage or $2,000 for all other tiers, deposited in equal amounts each pay period. Enrollment is passive this year, but HSA and FSA elections do not roll over. If you want them for 2027, re-elect them during Open Enrollment, October 12 - 23, 2026.

Reminders for 2027

Effective January 1, 2027.

Important

Open Enrollment Enroll Now

Jan 1, 2027 - Dec 31, 2027 Benefits Guide

Tools & Contacts

UMR PLAN ADVISOR & MEMBER PORTAL EAP LIVELY HSA & FSA ACCOUNTS EMPOWER 401(K) ACCOUNT

Discover & Explore

Teladoc Virtual Visits Find a Delta Dental Dentist OptumRx Pharmacy & Mail Order Ameritas Vision Benefits

401(k) Retirement Savings Plan

Your UUS 401(k) through Empower is one of the most valuable benefits you have. All active employees are eligible starting the first of the month after hire, and you can save with traditional pre-tax contributions, Roth after-tax contributions, or both.

UUS matches 100% of the first 3% of pay you contribute, plus 50% of the next 3%. Contribute at least 6% and you'll receive the full 4.5% company match. That's free money toward your future, so don't leave it on the table.

You can start, stop, or change your contributions at any time.

Empower 401(k) Account Call Empower: 800-338-4015

How to access your online retirement portal

First-time access:

Log on and select “Register”.
Choose the “I do not have a PIN” tab.
Follow the prompts to create your username and password.

Your portal lets you:

Get information fast.
Designate your beneficiary.
Easily roll over previous retirement accounts.

Medical & Pharmacy

Medical and pharmacy benefits cover your healthcare needs including doctor visits, hospital stays, prescriptions, and preventive care. Understanding your plan helps you minimize out-of-pocket costs and choose the right providers.

Mental Health Resources and EAP

Your mental health matters. EAP provides free confidential counseling, and your medical plan covers therapy and psychiatric care. All resources are 100% confidential, your employer never sees usage details.

EAP Summary (PDF)i

Dental and Vision

Dental and vision benefits cover routine exams, cleanings, eyeglasses, contacts, and more. Most preventive services are covered at 100%, don't leave free money on the table.

FSA and HSA

Flexible Spending and Health Savings Accounts let you pay for healthcare with pre-tax dollars, effectively saving 20-30% on eligible expenses like copays, glasses, and prescriptions.

HSA 101: The Basics (PDF)i

Disability

Disability insurance replaces a portion of your income if you can't work due to illness or injury. Short-term covers weeks to months; long-term covers extended periods. Think of it as paycheck protection.

Term Life and Voluntary Term Life

Life insurance provides financial protection for your loved ones if something happens to you. Your employer provides basic coverage automatically, and you can buy more at discounted group rates.

Voluntary Benefits

Voluntary benefits are optional coverages at group-discounted rates. Some pay cash directly to you for specific events like accidents, hospital stays, or critical illness. Others, like permanent life insurance, build cash value and protect your family for the long term. It's extra protection beyond your core benefits.