IMPACT OF EMPLOYMENT TERMINATION ON

UNITEDHEALTH GROUP BENEFITS

Purpose of this Document

This document provides general information about how a termination of employment will affect your
UnitedHealth Group employee benefits. For the employee benefits discussed in this document that are
governed by legal plan documents, if there is any discrepancy between the information in this document
and the plan documents, the plan documents will control.

Health Benefits
Medical, Dental and Vision
If you and any of your eligible dependents are enrolled in a UnitedHealth Group medical, dental
or vision plan (the health plans), coverage ends on the last day of the month in which your
employment ends.

Employee Assistance Plan (EAP)

Coverage under the EAP will continue automatically at no charge for you and your dependents
for a maximum period of 36 months. To learn more or access the EAP benefit, call 866-781-
6396 (available 24/7) or go to liveandworkwell.com and enter the access code "united."

The Well
You and your eligible dependents will continue to have access to the Well onsite clinics in
Minnetonka, Minn. and Eden Prairie, Minn. for a maximum period of 36 months. To learn more
or to access one of the Well locations, please call Health Care Advisor at 800-357-1371.

Health Savings Account (HSA)

If you were enrolled in an HSA plan with a Health Savings Account, you will not receive
additional employer HSA contributions, or be able to make any additional pretax contributions
through payroll deduction after your employment terminates. Your HSA is yours to keep, and
you can make contributions or use the funds in your account for future eligible medical
expenses. Your HSA is with Optum Bank, and you will be responsible for any applicable fees
associated with maintaining your HSA.

For questions about your HSA, call Optum Bank at 800-791-9361.

Health Care Flexible Spending Account (FSA)

If you have funds remaining in your Health Care FSA, you can receive reimbursement for
eligible expenses incurred through the end of the month in which your employment ends.
Claims for reimbursement must be submitted by March 31 of the following calendar year.

The information presented here is subject to applicable laws and regulations, as well as employment policies and formal plan documents. If any
discrepancy exists, the policies and plan documents govern.

Rev. January 2024 1

Rewards for Health
To receive Rewards for Health rewards, you must be employed and enrolled in an eligible
medical plan at the time of reward funding. Upon termination of employment, all rewards that
have not yet been redeemed are forfeited. This includes medical plan premium discounts that
have not yet been applied.

COBRA Continuation Rights

Under the terms of a federal law called COBRA (the Consolidated Omnibus Budget
Reconciliation Act of 1985) you have the right to continue coverage under the health plans in
which you (and your eligible dependents) were enrolled on the day before your employment
ended. You will receive a COBRA Enrollment Notice that explains important enrollment and
payment deadlines, your election options, current year premiums and certain events that can
change the length of the continuation period.

Cost of COBRA
For the initial 18 months of COBRA continuation coverage, the most you will pay is 102% of the
cost of the health plan’s full premium for active employees (this includes both employer and
employee contributions). Your COBRA Enrollment Notice will include COBRA monthly
premiums and you can also find them at benefitscobra.uhg.com.

If you are eligible for an 11-month extension of COBRA continuation coverage due to disability,
rates will increase to 150% of the full premium during the 11-month extension period.

COBRA for the Health Care FSA

You may elect to continue your Health Care FSA coverage under COBRA until the end of the
year in which your termination occurs. In the event you are still enrolled on Dec. 31, you may
submit claims through March 31 of the next calendar year, without the need to continue
COBRA.

COBRA coverage for the Health Care FSA, if elected, will consist of the Health Care FSA
coverage in force at the time of your termination (i.e., the elected annual limit reduced by
expenses reimbursed up to the time of the qualifying event). In general, Health Care FSA
continuation under COBRA is available only for the remainder of the year in which you terminate
employment. The use-it-or-lose-it rule will continue to apply.

All qualified beneficiaries who were covered under the Health Care FSA will be covered
together for Health Care FSA COBRA coverage. However, each qualified beneficiary has
separate election rights, and each could alternatively elect separate COBRA coverage to cover
that qualified beneficiary only, with a separate Health Care FSA annual coverage limit and a
separate COBRA premium.

COBRA Election Process

The continuation rights that apply to you depend on the benefits you are enrolled in on the day
before your employment terminates. A COBRA Enrollment Notice will be mailed to your home
address within two weeks of your employment termination date. These materials explain the
COBRA election process in more detail.

The information presented here is subject to applicable laws and regulations, as well as employment policies and formal plan documents. If any
discrepancy exists, the policies and plan documents govern.

Rev. January 2024 2

To elect and maintain COBRA continuation coverage, you must complete the following steps:
• Make your timely COBRA election following the instructions included with the COBRA
Enrollment Notice. You will have 60 days to elect coverage which will be effective
retroactive to the date you lost coverage. The election deadline will be indicated in your
packet. Once your enrollment is complete and your premium is paid, your coverage will
be reinstated.
• Pay your initial premium within 45 days of submitting your COBRA election. No claims
will be paid prior to receipt of the premium. Subsequent monthly payments are due the
first day of each month. Claim processing during the COBRA period considers the
monthly paid-through date before paying any benefit claim. You will have the following
payment options:
• Set up automatic monthly deductions from your bank
• Make direct payments each month from your checking/savings account via online
bill payment service
• Mail your payment

Keep in mind that once you are covered under another group health plan (e.g., when you
become covered under health benefits at another employer), your rights to COBRA continuation
coverage through UnitedHealth Group may end.

Reminder: If you want to elect COBRA continuation coverage and minimize disruption in
your coverage, as soon as you receive your COBRA enrollment materials (and no later than
the 60-day deadline), you should:
• Complete your COBRA election
• Make a payment for the elected coverage

Important: It is your responsibility to notify Employee Center at 800-561-0861 (say “COBRA”

when prompted) right away if your address changes and to make timely payments. To ensure
fairness and plan compliance, deadlines are strictly enforced.

If you are enrolled in an insured California medical plan or HMO, you may, under state law, be
able to continue coverage for another 18 months after federal COBRA ends. Contact your
insured California plan or HMO for additional information.

If you have questions about your COBRA rights, COBRA coverage or the COBRA election and
billing processes, call Employee Center at 800-561-0861 and say “COBRA” when prompted.

Medicare Advantage Plan

If you are age 65 or older and Medicare eligible, you and your Medicare-eligible dependents are
eligible for our Group Medicare Advantage Plan.

With the UnitedHealthcare® Group Medicare Advantage (PPO) plan, you are not limited to
seeing providers in a network. You have the flexibility to see any provider (in network or out of
network) at the same cost share, as long as they accept the plan and have not opted out of or
been excluded from Medicare. It’s not the same plan you may see available where you live or
advertised on TV.

The information presented here is subject to applicable laws and regulations, as well as employment policies and formal plan documents. If any
discrepancy exists, the policies and plan documents govern.

Rev. January 2024 3

Here are a few other unique features of the UnitedHealthcare Group Medicare Advantage plan:
• Medical and prescription drug coverage in one plan.
• A monthly plan premium that is less than $100 and, when compared to a Medicare
Supplement plan combined with a Part D prescription drug plan, may provide significant
savings for many individuals.
• A rich prescription drug formulary where 100% of Part D-eligible drugs are covered.
• Programs and services, such as fitness and UnitedHealthcare Hearing coverage, at
no additional cost. Also included is UnitedHealthcare HouseCalls, which is an annual
in-home visit from a nurse practitioner who will provide a comprehensive health check,
a prescription drug review and home safety assessment.

Through the UnitedHealthcare concierge service, advisors will assess your personal needs,
discussing what is important to you in a health care plan, so you can decide if it is better to
stay with your current plan or enroll in either the UnitedHealthcare Group Medicare
Advantage (PPO) plan or any of the other UnitedHealthcare individual Medicare plans.

UnitedHealthcare health plan advisors are ready to answer your Medicare Advantage
questions. Call 844-876-6171, TTY 711, or visit UnitedHealthcare Medicare Solutions.

Other Health Plan Resources: HealthMarkets

HealthMarkets, a UnitedHealthcare company, can help you navigate health insurance options
for you and your family due to your recent termination. If you are interested in looking at other
plans outside of COBRA, HealthMarkets can provide information from more than 200 insurance
companies nationwide.

For more information, contact a HealthMarkets advisor at 888-344-7562, or visit the

HealthMarkets website.

Life, Disability and Business Travel Accident Benefits

Life Insurance and Accidental Death & Dismemberment (AD&D)
Your Basic Life Insurance and AD&D coverage and, if enrolled, Supplemental Life Insurance
and AD&D coverage and Dependent Life Insurance coverage end on the last day of the month
in which your employment terminates.

Life Insurance Conversion Rights

You have the right to convert your life insurance coverage to an individual policy without
providing Evidence of Insurability (EOI) for you and any covered dependents as of the date your
coverage ends. You have 31 days to convert your policy. Upon termination, you will receive a
Conversion Notice with information about your conversion rights.

If you have questions about your life insurance conversion rights, call HRMP (life insurance
conversion company) at 888-999-4767. To obtain a quote, follow the instructions at
uhclifeconv.com.

The information presented here is subject to applicable laws and regulations, as well as employment policies and formal plan documents. If any
discrepancy exists, the policies and plan documents govern.

Rev. January 2024 4

Minnesota Life Insurance Continuation Rights, Cost and Election Process
Under Minnesota state law, Minnesota residents have the right to continue the life insurance
coverage that is in effect for you and any dependent covered as of the date you lost coverage,
for up to 18 months. The cost for life insurance continuation coverage is 102% of the premium
that applies to active employees.

Upon timely election and payment, coverage will be reinstated to the first day of the month
following your coverage end date. (Example: if you terminate on April 15, your coverage will end
on April 30. If you elect Minnesota Continuation, coverage would be reinstated effective May 1.)
If you continue coverage under Minnesota Continuation, you have the right to convert the life
insurance coverage to an individual policy after the 18-month continuation period ends.

The continuation rights that apply to you depend on the benefits you are enrolled in on the day
before your employment terminates. UnitedHealthcare Benefit Services will mail the Enrollment
Notice to your home address within two weeks of the notification of your employment
termination date. These materials explain the election process in more detail.

To elect Minnesota Continuation coverage, you must complete the following steps:
• Make your timely election to UnitedHealthcare Benefit Services, no later than 60 days
from the date indicated in your Enrollment Notice. Instructions for submitting your
election are included with the enrollment notice.
• Pay your initial premium to UnitedHealthcare Benefit Services within 45 days of
submitting your election. Please note that your Minnesota Continuation coverage will not
be activated until the administrator receives your initial payment. Subsequent monthly
payments are due the first day of each month. UnitedHealthcare Benefit Services will
send you a billing statement each month.

Reminder: If you want to elect continuation coverage and minimize disruption in your coverage,
you should take the following action as soon as you receive your Minnesota Continuation
enrollment materials (and no later than the 60-day deadline):
• Complete your election
• Make payment for the elected coverage
• Notify UnitedHealthcare Benefit Services promptly if your address changes

If you have questions about Minnesota Continuation of life insurance, call UnitedHealthcare
Benefits Services at 866-747-0048.

Short-Term Disability (STD) and Long-Term Disability (LTD)

Coverage under the STD Plan and LTD Plan ends on your last day of employment unless you
lost coverage earlier under the terms of one of these plans. You do not have continuation
coverage rights under these plans.

If you voluntarily ended your employment while you were receiving STD benefits, your disability
payments will end as of your employment termination date. If your employment ended
involuntarily for business reasons such as position elimination, downsizing or a similar event
while you were receiving STD benefits, refer to the UHG Inc. Group Benefits Plan Wrap
Summary Plan Description and Short-Term Disability Plan Booklet at benefitsenroll.uhg.com for
more information about STD benefit payment continuation post-termination.

The information presented here is subject to applicable laws and regulations, as well as employment policies and formal plan documents. If any
discrepancy exists, the policies and plan documents govern.

Rev. January 2024 5

If your employment ended for any reason while you were receiving LTD benefits, benefits will
continue to be paid to you while you remain disabled as defined in, and according to the terms
of the UHG Inc. Group Benefits Plan Wrap Summary Plan Description and Long-Term Disability
Insurance Plan Booklet at benefitsenroll.uhg.com.

For questions about STD and LTD benefits, call Employee Center at 800-561-0861 and say
“benefits” when prompted.

Disability Reserve Bank

Unused Disability Reserve Bank time is not paid out at termination. If you are rehired, this bank
is not reinstated.

Business Travel Accident

Coverage under the Business Travel Accident Plan ends on your last day of employment unless
you lost coverage earlier under the terms of this plan. You do not have continuation coverage
rights under this plan.

Other Insurance, Benefits and Programs

Dependent Care FSA
If enrolled, contributions to your Dependent Care FSA will stop with your last paycheck and your
coverage ends on the last day of the calendar year in which your employment ends. You have
no continuation coverage rights under the Dependent Care FSA; however, you may continue to
request reimbursement from the Dependent Care FSA for qualifying expenses you incur
through the last day of the calendar year in which your employment ends, provided you have
funds left in your account. Claims for reimbursement must be submitted by April 30 of the
following calendar year.

For questions about your Dependent Care FSA, call Employee Center at 800-561-0861 and say
“benefits” when prompted.

Critical Illness, Accident, Hospital Indemnity and Group Legal Insurance

If enrolled, your coverage ends on the last day of the month in which your employment ends.

For questions about these plans, call Employee Center at 800-561-0861 and say “benefits”
when prompted.

Commuter Expense Reimbursement Account (CERA)

If enrolled, participation in the CERA ends on your last day of employment. If you were
contributing to the CERA when your employment ended, your pretax contributions ended with
your last paycheck. You can only incur eligible expenses while you are a current employee.
Upon termination, you are only permitted to receive reimbursement for eligible commuter
expenses incurred before your employment termination date. Any unused account funds paid
with pretax contributions will be forfeited. COBRA continuation is not available for the CERA.
Funds paid with after-tax contributions will be refunded.

For questions about your CERA, call HealthEquity at 877-311-7849.

The information presented here is subject to applicable laws and regulations, as well as employment policies and formal plan documents. If any
discrepancy exists, the policies and plan documents govern.

Rev. January 2024 6

Paid Time Off
Paid Time Off (PTO) is a grant and not earned compensation. When you resign, unused PTO is
not paid out unless required by the law of the state in which you work (California, Colorado,
Illinois, Louisiana, Maine, Massachusetts, Montana, Nebraska, North Dakota, Rhode Island or
Wyoming). If state law requires payment, your remaining balance will be issued and distributed
in accordance with the law.

If you are rehired, you will begin to receive PTO grants in the first pay period of employment, but
any PTO balance you had when you terminated will not be reinstated. Your PTO grant upon
rehire will coincide with your grade level and adjusted service date in accordance with the
Service Date Policy.

For questions about your PTO, call Employee Center at 800-561-0861.

Purchased Additional Paid Time Off (PTO)

If you purchased additional PTO, used it and terminate employment before you have paid for it,
the company reserves the right to recover the difference from your final paycheck.

If you elected purchased PTO and haven’t used it, you will be reimbursed for the outstanding
amount if your termination occurs by the end of the calendar year.

Tuition Reimbursement
If you have outstanding tuition reimbursement requests for any completed courses, you must
submit your request for reimbursement prior to your termination date. If you complete your
course(s) after your termination date, you will not be eligible for reimbursement, and if you have
been approved for a course that has not yet begun as of your last day of employment, it will not
be eligible for reimbursement.

However, if your employment is terminated due to position elimination or layoff, you may receive
reimbursement for courses that began prior to the last day of employment, provided you have
obtained advanced approval for reimbursement in accordance with the company’s Tuition
Reimbursement policy. To receive reimbursement, you must submit proof of payment and proof
of a passing grade to your former manager within 30 days of completing your coursework.

If you voluntarily terminate employment, or are involuntarily terminated for violation of company
policy, you must repay any education expenses that were reimbursed to you through the Tuition
Reimbursement program within 24 months before your termination date.

For questions about tuition reimbursement, call Employee Center at 800-561-0861.

Adoption Assistance Plan

Eligibility for Adoption Assistance ends on your last day of employment. You must be an active
employee at the time the adoption is completed to receive reimbursement of eligible expenses.

Severance Pay Plan

Your coverage under the Severance Pay Plan ends on your last day of employment unless you
have a qualifying termination and satisfy other plan terms.

The information presented here is subject to applicable laws and regulations, as well as employment policies and formal plan documents. If any
discrepancy exists, the policies and plan documents govern.

Rev. January 2024 7

Financial Benefits
401(k) Savings Plan Contributions
UnitedHealth Group 401(k) Savings Plan (401(k) Plan) contributions will continue to be taken
from any eligible pay you receive through Dec. 31 of the year you terminate employment, or 2.5
months following your termination, if later. Final payments on account of termination of
employment (e.g., severance payments) are not 401(k) eligible pay. If you were eligible for
employer matching contributions prior to your termination of employment, you will continue to be
eligible for employer matching contributions. If you do not want contributions deducted from
future paychecks, you will need to change your deferral election to 0% prior to your termination
date. Changes can be made by calling Fidelity, the 401(k) Plan record keeper, at 800-624-4015
or by logging in to NetBenefits.com. Your deferral election on file as of your termination date will
apply to your eligible pay after termination; you will be unable to change it.

401(k) Plan Vesting

You are 100% vested in your own contributions and related earnings in the 401(k) Plan. You are
100% vested in employer matching contributions and related earnings in the 401(k) Plan if you
have completed two years of eligible service prior to your employment termination date, or if you
reach age 65 or become disabled while employed.

401(k) Plan Distributions

If your total vested account balance is $1,000 or less, Fidelity will automatically pay it to you in a
cash lump sum payment unless you provide alternative direction (e.g., lump sum distribution or
direct rollover to another eligible retirement plan or IRA). You will receive a letter from Fidelity
that explains how to make an election and the deadline for doing so. If you do not respond prior
to the deadline provided, your vested balance will be automatically paid out to you, less
mandatory federal and applicable state tax withholding. An additional 10% tax on early
distributions may apply if you are under age 55 during the year your employment ends.
Accounts are reviewed each quarter and the balance at the time of review determines if the
account will be paid to you.

If your vested balance is over $1,000, you may request a distribution or leave your account
balance in the Plan until required minimum distributions must begin. You will be required to
begin taking minimum distributions on or before April 1 of the calendar year following the
calendar year in which you attain age 73 or terminate employment, if later. Contact Fidelity for
more information.

If you delay your distribution, your account balance will continue to be invested in the funds you
have selected and adjusted for earnings or losses according to the performance of those funds.

If you are invested in UnitedHealth Group stock in the 401(k) Plan, you may choose to take an
in-kind distribution of your shares of UnitedHealth Group common stock by calling Fidelity.

Fidelity will mail termination information to your home address on file. The documentation will
include your distribution options and tax information. If you have additional questions after you
review the information, contact Fidelity. To initiate a distribution request online, go to
NetBenefits.com.

The information presented here is subject to applicable laws and regulations, as well as employment policies and formal plan documents. If any
discrepancy exists, the policies and plan documents govern.

Rev. January 2024 8

Outstanding 401(k) Plan Loans
If your vested 401(k) Plan account balance is over $1,000, and you have an outstanding loan
from the 401(k) Plan, you have the following options:
• You can elect to make monthly loan repayments by ACH. Contact Fidelity to set up
payment.
• You can pay the loan off in full. Contact Fidelity for your loan payoff amount and
instructions.
• You can choose not to repay the loan. Your outstanding loan balance will be treated as a
taxable distribution of a portion of your account and may be subject to the additional
10% tax on early distributions if you are under age 55 during the year your employment
ends.

If your vested 401(k) Plan account balance is $1,000 or less, and you have a loan outstanding
from the 401(k) Plan, you have the following options:
• You can pay the loan in full prior to receiving your lump sum distribution or rollover.
• You may choose not to repay the loan, in which case the outstanding loan balance (the
unpaid promissory note) and accrued interest will be treated as a taxable part of your
distribution. You may be subject to the additional 10% tax on early distributions on the
entire distribution (including the loan portion) if you are under age 55 when your
employment ends.

Accessing Your 401(k) Account

If you maintain an account balance in the 401(k) Plan, you can continue to manage your
account online at NetBenefits.com or by phone at 800-624-4015. You are responsible for
keeping your home address updated with Fidelity.

If you have questions about your 401(k) Plan account, contact Fidelity at 800-624-4015.

Employee Stock Purchase Plan1

Your participation in the Employee Stock Purchase Plan (ESPP) ends immediately upon
termination of your active employment.

Any contributions you have made during the purchase period in which your employment ends
will be returned to you through payroll within one or two pay periods after your employment
ends. No shares will be purchased on your behalf.

If you have shares of UnitedHealth Group stock in your Fidelity account at the time your
employment terminates, the shares will remain in your Fidelity account. Go to NetBenefits.com
to view your Fidelity account.

If you have questions about your ESPP account, contact Fidelity at 800-624-4015.

1
Stock plan recordkeeping and administrative services are offered through Fidelity Stock Plan Services, LLC. Brokerage products and services are offered
through Fidelity Brokerage Services LLC, Member NYSE, SIPC.

The information presented here is subject to applicable laws and regulations, as well as employment policies and formal plan documents. If any
discrepancy exists, the policies and plan documents govern.

Rev. January 2024 9

Executive Savings Plan (ESP) Contributions
Your ESP contributions generally end with your last regular paycheck. Contributions will not be
deducted from severance pay.

ESP Distributions
The timing of your distribution will follow the election you previously made for each contribution
year. For details on the timing, visit NetBenefits.com to view an online statement or call a
Fidelity representative. Once your pre-scheduled distribution is processed from your Fidelity
account, payment(s) will be made to you automatically within 4-6 weeks via payroll. Note that
distribution election changes cannot be made after you have separated from service.
Additionally, any distribution election changes you made within 12 months before your
separation from service will be voided per IRS regulations.

If you have questions about your ESP account, contact Fidelity at 800-624-4015.

Stock Plan Awards

If you received stock options to purchase UnitedHealth Group Incorporated common stock
during your employment, you must take action.

Please note the following important points:

• Generally, stock options that are vested on your termination date must be exercised
within three months after your termination date or the end of your severance period,
whichever is later. However, vesting and exercise periods may differ for each award.
The specific rules for each award are listed in the award agreement for each grant you
received and in the underlying plan document.
• Because the terms and conditions of each award vary, please read each agreement to
understand the terms and conditions.
• Vesting and exercise periods applicable to other types of awards, such as restricted
stock units, are listed in the award agreement for each of those awards you received.
• If you need copies of your award agreements, access them on NetBenefits.com or call
Fidelity at 800-624-4015.

You may view your stock plan awards at NetBenefits.com. If you have any questions regarding
your awards, contact Fidelity at 800-624-4015.

Credit Union
If you are a member of the UnitedHealth Group Credit Union, you can continue using its
services after your employment ends. If you have an outstanding loan balance and are making
payments through payroll deduction, call the Credit Union at 800-388-7000 to change your loan
payment method.

The information presented here is subject to applicable laws and regulations, as well as employment policies and formal plan documents. If any
discrepancy exists, the policies and plan documents govern.

Rev. January 2024 10