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The Hartford
The District-paid life insurance benefit provides up to $50,000* Basic Life and AD&D to all regular full and part time classified, academic, and MSC employees and all members of the governing board. Elective supplemental, spousal, and child life insurance can be purchased by the employee during open enrollment in April of each year. Eligibility for all plans is the first day of the month following the employee's date of hire. A conversion plan is available following termination of employment.
Contact Human Resources immediately to report marriage dissolution or termination of domestic partnership.
The Hartford Disability Insurance
Website: thehartford.com/employee benefits
Eligibility
Active full-time and part time (regular) employees and members of the governing board
Guarantee Issue - $100,000 for newly eligible employees. Guarantee issue of $10,000 available for existing employees during annual enrollment period. Guarantee issue of $30,000 for newly eligible spouses. Guarantee issue of $5,000 available for existing spouses during annual enrollment period. Amounts requested above the Guarantee Issue limits are subject to medical underwriting by The Hartford. Evidence of Insurability Form is required:
Reduction Schedule - Premiums and benefits are reduced on the first of the month of the fiscal plan year following the insured's birthday to a percentage of the original benefit for employees age 65 and over:
- 67% for employees age 65-69 and
- 34% for employees age 70 and over.
- Benefits terminate at retirement but may be converted to an individual policy.
Voluntary Life Supplement Term Life Insurance
Group Term Life/Accidental Death Benefit Highlights
Group Life Portability and Conversion
Hartford Beneficiary Designation Form
Waiver of Premium-Disability Form
Full-Time Long Term Benefit Highlight Sheet
Full-Time Short Term Benefit Highlight Sheet
Beneficiary Assist-Counseling Services
Travel Assist-ID Number GLD-09012
Financial Planning Guide After Loss
Beneficiary Designation
You may update your beneficiary at any time. It is very important to review your beneficiary designation periodically.
Once a beneficiary is designated it is not refutable.
Increases During Open Enrollment- Annual increases of $10,000 in employee and $5,000 for spouse supplemental coverage (up to Guarantee Issue amount) may be elected annually during open enrollment without an evidence of insurability. Evidence of Insurability required when annual increase is greater than $10K or a total of $100K for employee and an increase greater than $5K or total greater than $30K for spouse.
Voluntary Supplemental Coverage additional monthly premium paid by the employee
Employee voluntary, $.23 (Life plus Ad&D) for every $1,000 (increments of $10,000)
Spouse voluntary, $.23 for every $1,000 (increments of $5,000)
Dependent voluntary $.70 a monthy for $5,000 coverage on dependent children (regardless
of the number of children). Birth to 6 months = benefit limited to $500
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