How to designate beneficiaries at UnitedHealthcare
Covers 8 insurance accounts — beneficiaries can be managed online
UnitedHealthcare Member Services
Phone1-866-801-4409
Health plan through work (TTY 711)
Medicare Supplement plan (TTY 711)
Specialty Benefits — group life claims and forms
WebsiteLearn more→
Life Conversion Facility (HRMP)
Phone1-888-999-4767
Fax1-978-762-4767
Mailing Address
HRMP, Life Conversion Facility, 300 Rosewood Drive, Suite 250, Danvers, MA 01923
Supplemental Life portability requests
UnitedHealthcare Member Services — report a member's death (health coverage)
Phone1-866-801-4409
Medicare Supplement — cancel policy, request premium refund (TTY 711)
Social Security (notifies Medicare of the death)
WebsiteNotify online→
Verified Jul 2026
For UnitedHealthcare policyholders, estate planning comes down to one critical step: making sure the right beneficiaries are named on every policy. Insurance proceeds bypass probate entirely and go directly to whoever is listed—regardless of what a will says. When estate tax planning or controlled distributions are a factor, a trust can be named as beneficiary instead.
The transfer rules at UnitedHealthcare vary across 8 policies. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Basic Group Term Life InsuranceSupplemental (Voluntary) Group Life InsuranceDependent Group Life InsuranceAccidental Death & Dismemberment (AD&D) InsuranceMedicare Advantage (Part C) and Medicare Part D PlansMedicare Supplement (Medigap) Insurance PlanEmployer-Sponsored Health Plan (Medical, Dental, Vision)Individual & Family (ACA Marketplace) Plan
1
Contact the institution for details.
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Health, Medicare Advantage, Part D, and Medicare Supplement plans carry no beneficiary designation and no death benefit. Do not attempt to name a beneficiary or a trust on health coverage.
- Beneficiary designations are held by the employer/plan administrator as the group policyholder.
- A trust may be named as the beneficiary of group term life and AD&D coverage.
- Beneficiary designations control who receives the death benefit and are separate from instructions in a will.
- Dependent life coverage generally names the employee as beneficiary.
- The employer, not UnitedHealthcare, is responsible for keeping employee beneficiary designations current under the group policy.
Sources
Data sourced from UnitedHealthcare primary sources (11 pages reviewed). How we research.
Download these UnitedHealthcare instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against UnitedHealthcare primary sources. Bring it to the branch or keep it beside the phone.
UnitedHealthcare Member Services
Phone1-866-801-4409
Health plan through work (TTY 711)
Medicare Supplement plan (TTY 711)
Specialty Benefits — group life claims and forms
WebsiteLearn more→
Life Conversion Facility (HRMP)
Phone1-888-999-4767
Fax1-978-762-4767
Mailing Address
HRMP, Life Conversion Facility, 300 Rosewood Drive, Suite 250, Danvers, MA 01923
Supplemental Life portability requests
UnitedHealthcare Member Services — report a member's death (health coverage)
Phone1-866-801-4409
Medicare Supplement — cancel policy, request premium refund (TTY 711)
Social Security (notifies Medicare of the death)
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your UnitedHealthcare accounts and other assets with trusts, beneficiary designations, and estate planning documents.
