Group Auto & Home Insurance
Offers group rates on a variety of insurance policies, including auto, home, boat, and renters insurance.
YOUR Benefits Extras
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The Total Rewards package includes voluntary benefits that you can add on to your coverage. These optional additions include auto, home, vision, identity theft protection, and legal coverage. We call these YOUR Benefits Extras.
By adding these extra coverage options through the University, you’ll get group rates and discounts, and you can easily pay for these through payroll deductions.
Explore these optional add-ons to your Total Rewards package below. To enroll online, go to YOURBenefitsExtras.com.
YOUR Benefits Extras include:
MetLife Legal Plan
Provides employees with legal representation for many different legal matters, including estate planning, real estate, family law, and elder care.
VSP Vision Care
Helps with the costs of exams, glasses, contact lenses, etc. for you and your family.
2026 Allstate Identity Protection
Helps you protect yourself against the impact of identity theft.
Effective 1/1/2027 Norton LifeLock Benefit Premier Plus
Helps protect your identity, finances, devices, and online privacy with credit monitoring, fraud alerts, security tools, insurance for covered losses, and 24/7 identity restoration support.
Looking to Enroll?
If you are enrolled by the 15th of the month, coverage for Allstate Identity Protection, MetLife Legal Plan, and/or VSP Vision Care will be effective the 1st of the following month. If you enroll after the 15th of the month, coverage will be effective the 1st of the second following month.
Group Auto & Home
This voluntary benefit program provides you with access to special savings on auto and home insurance, available to employees of University of Rochester. Plus, you can choose the convenience of paying your premiums through automatic payroll deduction.
You can request free quotes from the following trusted names: Farmers GroupSelect (formally MetLife Auto & Home), Liberty Mutual and Travelers.
To get your quotes, visit YOURBenefitsExtras.com. You can also better understand your options through the Auto Insurance Quote Comparison Tool.
Drivers with a New York State license may receive a discount on auto insurance premiums as well as remove up to 4 points from their driving record by completing a defensive driving class. University employees and retirees can take advantage of online classes offered by Liberty Mutual for a reduced rate regardless of their insurance carrier. Register here.
MetLife Legal Plan
Legal matters, both planned and unplanned, are part of life. Enrolling in the MetLife Legal Plan gives you the financial and emotional peace of mind to know you will be covered for expected and unexpected legal events.
The MetLife Legal Plan provides you, your spouse/domestic partner, and your dependents with fully covered legal services from attorneys experienced in estate planning documents, civil suits, adoption, identity theft issues and much more.
When you sign up, you’ll be conveniently set up with automatic payroll deductions, totaling just $18.25 per month.
Our network attorneys are available in person, by phone, or by email and online tools to do-it-yourself or plan your next move. You can choose one from our network of prequalified attorneys, or use an attorney outside of our network and be reimbursed some of the cost. And, you have unlimited access to our attorneys for all legal matters covered under the plan.
You can learn more with this plan example video and this testimonial video.
VSP Vision Care
See healthy and live happy with help from the University of Rochester and VSP.
Enroll in the UR Vision Basic or UR Vision Plus Plan through VSP® Vision Care to get personalized eye care from a VSP network doctor at low out-of-pocket costs.
VSP Vision Care helps with the costs of exams, glasses, contact lenses, etc. for you and your family. This is a voluntary coverage option that is part of the YOUR Benefits Extras program.
VSP Vision benefits summary
For more information, reference the 2026 VSP Vision Care summary or 2027 VSP Vision Care Summary, also detailed in the drop-downs below. You can also reference our Vision Care FAQs page and get vision care rate details.
If you are enrolled in VSP, you are also eligible for a discount on hearing aids through TruHearing as an additional VSP exclusive member extras benefit. For more information, please refer to this flyer.
UR Vision Basic Plan
Coverage with a VSP Doctor
Your monthly contribution
- $4.07 member only
- $8.12 member + spouse or domestic partner
- $8.70 member + children
- $13.89 member + family
WellVision Exam
- Focuses on your eyes and overall wellness
- Routine retinal screening
- Every calendar year
- $35 copay for exam
- Up to $39 copay for routine retinal screening
ESSENTIAL MEDICAL EYE CARE
- Retinal imaging for members with diabetes covered-in-full
- Additional exams and services beyond routine care to treat immediate issues from pink eye to sudden changes in vision or to monitor ongoing conditions such as dry eye, diabetic eye disease, glaucoma, and more at $20 copay per exam.
- Coordination with your medical coverage may apply. Ask your VSP network doctor for details.
- Available as needed
Prescription glasses
- $20 copay
Frame
- $120 Featured Frame Brands allowance
- $100 frame allowance
- 20% savings on the amount over your allowance
- $55 Walmart/Sam’s Club/Costco frame allowance
- Every calendar year
- Copay included in prescription glasses
Lenses
- Single-vision, lined bifocal, and lined trifocal lenses
- Impact-resistant lenses for dependent children
- Every calendar year
- Copay included in prescription glasses
Lens Enhancements
- Standard progressive lenses: $0
- Premium progressive lenses: $95 – $105
- Custom progressive lenses: $150 – $175
- Average savings of 30% on other lens enhancements
- Every calendar year
Contacts (Instead of glasses)
- $100 allowance for contacts; copay does not apply
- Contact lens exam (fitting and evaluation): Up to $60
- Every calendar year
Additional savings
- Glasses and sunglasses:
- Discover all current eyewear offers and savings at vsp.com/offers.
- 20% savings on unlimited additional pairs of prescription or non-prescription glasses/sunglasses, including lens enhancements, from a VSP provider within 12 months of your last WellVision Exam.
- Laser vision correction:
- Average of 15% off the regular price; discounts available at contracted facilities.
Your coverage with out-of-network providers
With so many in-network choices, VSP makes it easy to maximize your benefits. Choose from our large doctor network including private practice and retail locations. Plus, you can shop eyewear online at Eyeconic®. Log in to vsp.com to find an in-network doctor. Your plan provides the following out-of-network reimbursements:
- Exam: Up to $45
- Lined Trifocal Lenses: Up to $65
- Frame: Up to $70
- Progressive Lenses: Up to $50
- Single Vision Lenses: Up to $30
- Contacts: Up to $85
- Lined Bifocal Lenses: Up to $50
Coverage with a retail chain may be different or not apply. Log in to vsp.com to check your benefits for eligibility and to confirm in-network locations based on your plan type. VSP guarantees coverage from VSP providers only. Coverage information is subject to change. In the event of a conflict between this information and your organization’s contract with VSP, the terms of the contract will prevail. Based on applicable laws, benefits may vary by location. In the state of Washington, VSP Vision Care, Inc., is the legal name of the corporation through which VSP does business.
UR Vision Plus Plan
Coverage with a VSP Doctor
Your monthly contribution
- $7.92 member only
- $15.82 member + spouse or domestic partner
- $16.94 member + children
- $27.06 member + family
WellVision Exam
- Focuses on your eyes and overall wellness
- Routine retinal screening
- Every calendar year
- $20 copay for exam
- Up to $39 for routine retinal screening
ESSENTIAL MEDICAL EYE CARE
- Retinal imaging for members with diabetes covered-in-full
- Additional exams and services beyond routine care to treat immediate issues from pink eye to sudden changes in vision or to monitor ongoing conditions such as dry eye, diabetic eye disease, glaucoma, and more at $20 copay per exam.
- Coordination with your medical coverage may apply. Ask your VSP network doctor for details.
- Available as needed
Prescription glasses
- $20 copay
FRAME
- $220 featured frame brands allowance
- $200 frame allowance
- 20% savings on the amount over your allowance
- $110 Walmart®/Sam’s Club®/Costco® frame allowance
- Every calendar year
- Copay included in prescription glasses
LENSES
- Single vision, lined bifocal, and lined trifocal lenses
- Impact-resistant lenses for dependent children
- Every calendar year
- Copay included in prescription glasses
LENS ENHANCEMENTS
- Standard progressive lenses at $0 copay
- Premium progressive lenses at $95-$105 copay
- Custom progressive lenses at $150-175 copay
- Average savings of 30% on other lens enhancements
- Every calendar year
CONTACTS (INSTEAD OF GLASSES)
- $200 allowance for contacts; copay does not apply
- Contact lens exam (fitting and evaluation) at up to $60 copay
- Every calendar year
ADDITIONAL SAVINGS
- Glasses and sunglasses
- Discover all current eyewear offers and savings at vsp.com/offers.
- 20% savings on unlimited additional pairs of prescription or non-prescription glasses/sunglasses, including lens enhancements, from a VSP provider within 12 months of your last WellVision Exam.
- Laser Vision Correction
- Average of 15% off the regular price; discounts available at contracted facilities.
Your coverage with out-of-network providers
With so many in-network choices, VSP makes it easy to maximize your benefits. Choose from our large doctor network including private practice and retail locations. Plus, you can shop eyewear online at Eyeconic®. Log in to vsp.com to find an in-network doctor. Your plan provides the following out-of-network reimbursements:
- Exam: Up to $45
- Frames: Up to $70
- Single vision lenses: Up to $30
- Lined bifocal lenses: Up to $50
- Lined trifocal lenses: Up to $65
- Progressive lenses: Up to $50
- Contacts: Up to $185
Coverage with a retail chain may be different or not apply. Log in to vsp.com to check your benefits for eligibility and to confirm in-network locations based on your plan type. VSP guarantees coverage from VSP providers only. Coverage information is subject to change. In the event of a conflict between this information and your organization’s contract with VSP, the terms of the contract will prevail. Based on applicable laws, benefits may vary by location. In the state of Washington, VSP Vision Care, Inc., is the legal name of the corporation through which VSP does business.
If you’re ready to sign up, you can enroll online at YOURBenefitsExtras.com. Retirees can enroll in routine vision coverage through VSP Direct at 1-800-785-0699.
2026 Allstate Identity Protection
Allstate Identity Protection Pro+ Cyber will provide comprehensive financial and identity monitoring to help you protect yourself against the impact of identity theft, including robust protection for both desktop and mobile devices. This includes antivirus, safe browsing, phishing protection, and tools for missing or stolen devices. See your personal data, manage it with rapid alerts, and help protect your identity. Monitor your financial transactions, social media, student loans, retirement accounts, and more.
When you sign up, you’ll be conveniently set up with automatic payroll deductions, totaling just $6.50 per month for single coverage or $12.50 per month for family coverage.
You can learn more with this video.
2026 Allstate product features [PDF]
Allstate coverage is ending 12/31/26. Please see the information regarding Norton LifeLock Benefit Premier Plus for information regarding coverage in 2027.
Effective 1/1/2027 Norton LifeLock Benefit Premier Plus
Norton LifeLock Benefit Premier Plus provides comprehensive identity, financial, and digital protections plus device security, online privacy tools, and cybercrime protection-all in one plan. Monitor your financial life with real-time alerts for suspicious activity, bank takeovers, fraud, and unusual charges. Dark web scanning keeps watch for exposed personal information. And with 3-bureau credit monitoring, a credit report and score, you get a fuller picture of your financial health -helping you catch threats before they become costly. Norton device security helps protect against viruses, ransomware, and malware, plus offers Norton Secure VPN, Password Manager, Parental Controls, and more. Should the unexpected happen, the Million-Dollar Protection Package covers qualified expenses up to $5M, plus Cyber Crime Insurance reimburses up to $50,000 for covered losses -shareable across your family. Specialists are available 24/7 for identity restoration support.
For a complete list of features, visit Norton.com/PremierPlus.
Single coverage is paid in full by University of Rochester and family coverage is just $9.95 per month!* Additional details can be found at www.YOURBenefitsExtras.com.
| You get this (and so much more) | Premier Plus |
| Identity & Credit Monitoring¹ | ✓ 3B³ |
| Million Dollar Protection Package + Restoration Support⁴
(Updates coming soon, estimated Fall 2026.) Helps cover losses and expenses if you become a victim of identity theft. |
✓ Up to $5 Million |
| Financial + Credit Insights
Personalized insights to help guide you toward better financial wellness. |
✓ |
| Device Security w/ Secure VPN
Protects your devices from hackers and keeps your browsing private. |
✓
10 devices, family gets unlimited |
| Scam Protection Pro
AI-powered alerts detect suspicious texts, emails, and calls in real time. |
✓ |
| Privacy Monitor
Scans people-search websites and helps you opt out to protect your personal info. |
✓ |
| Home Title Monitoring
Monitors your home’s title for suspicious changes and alerts you to take action. |
✓ |
| Cyber Crime Insurance
Up to $50,000 in coverage for cyber extortion, scams, cyber bullying⁵, and digital currency crime. |
✓ |
1-Credit features require setup, identity verification and sufficient credit history by TransUnion and/or Equifax. Credit monitoring features may take several days to activate after enrollment.
2-The credit score provided is a VantageScore 3.0 credit score based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.
3-The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.
4-Reimbursement and Expense Compensation, each with limits of up to $1 million for Benefit Essential, Premier, and Premier Plus, and up to $50,000 for LifeLock Benefit Junior ($25,000 reimbursement coverage and $25,000 fraudulent withdrawals). All plans include up to $1 million in coverage for lawyers and experts. Cyber Crime Insurance, if applicable, covers up to $50,000 for covered expenses per Plan. All benefits are issued and covered by third party partners. Policy terms, conditions, and exclusions at: gendigital.com/legal.
5-Cyber Bullying Coverage is not available to residents in New York.
*Coverage is subject to eligibility. See our eligibility table for details. Members of SEIU are eligible for voluntary coverage at a cost of $6.25 per month for single coverage and $12.25 per month for family coverage.
More ways to save
Discount Shopping from YOUR Benefits Extras
YOUR Benefits Extras also includes additional savings on travel, entertainment, electronics, gifts, and more, all available on one convenient website. Create a free account below using your employee ID to get started.