Life & Disability Insurance

What types of coverage are offered?

• Basic Life (employer paid): multiples of one to two times salary
• Basic Retiree Life (employer paid): 25% of pre-retirement salary, $10,000, or $5,000
• Voluntary Life (employee paid): $10,000 increments up to $1,000,000 maximum
• Dependent Life: spouse ($5,000 increments or 25% of employee basic/voluntary, up to $250,000); child ($2,500 per child)

Who is eligible?

• All active full-time employees regularly scheduled for 30 or more hours per week.

Benefit highlights

• High guaranteed issue limits: newly eligible employees may enroll up to $250,000 without a medical exam (one- or two-times-pay plans)
• Maximum coverage (with evidence of insurability): $600,000 basic; $1,000,000 voluntary
• Waiver of premium for permanently and totally disabled employees under age 60
• Accelerated death payment option for terminally ill employees

What types of coverage are offered?

• Supplemental executive disability (covers salary in excess of group disability maximum)
• Short-term disability (covers sick leave beginning as early as the seventh day of illness)

Who is eligible?

• All active full-time employees regularly scheduled for 30 or more hours per week.

Benefit highlights

• Income replacement at 60%
• Monthly maximum benefits up to $10,000
• Multiple definitions of disability (may vary by employment classification)
• Case management services (from report of disability)

Why is it valuable?

• Provides cash benefits for each day an employee is confined in a hospital for a covered illness or injury.
• Benefits can help offset expenses such as deductibles, coinsurance amounts, or copays.
• Can be used for non-medical expenses such as housing costs, groceries, care expenses, and more.

Standard hospital indemnity benefits

• The Hartford base plan includes a competitive range of first-day confinement and daily confinement benefit amounts.