A total of 92 percent of employees who elected medical coverage enrolled in High Deductible Health Plans (HDHP).*

Employees paid an average of only 9 percent of the total premium for their Union Pacific medical coverage. This is significantly less than the national average of 24 percent (2013 Towers Watson/National Business Group on Health Employer Survey on Purchasing Value in Health Care).*

In addition to medical coverage, Union Pacific provides flexible retirement planning options and other financial tools to help employees make informed investment decisions. Benefits programs, which vary based on whether employees are non-union or part of a collective bargaining agreement, include:

  • Life Insurance
  • 401(k) Thrift Plan
  • Financial Well-Being Site: A simple but informative description of employee benefits that addresses questions most important to employees at various stages of their careers.
  • Benefits Statements: Modeling tools that include an option for employees to project the impact of the pension, Railroad Retirement or Social Security benefits, a 401(k) (including Roth) and personal savings into their retirement planning.
  • Benefits Education Program: Provides support through instructorled courses, video conferencing and one-on-one consultations.
  • Pension Plan

* Refers only to non-union employees.