To ensure protection for your loved ones, we provide full-time and eligible part-time associates with Basic Life, and Accidental Death and Personal Loss (AD&PL) Insurance at no cost, with the option to purchase additional Life and AD&PL Insurance, as well as supplemental coverage for your dependents.
Basic Life coverage is equal to 1 times your Annual Benefits Salary, rounded to the next $1,000 if not already a multiple of $1,000, up to a maximum of $500,000. If you have an accident, you may be eligible for a one-time payout under the AD&PL line of coverage (see table below). AD&PL is a separate line of coverage and is equal to the Basic Life coverage amount. Both are provided to you at no charge.
For VP+ executives, your Executive Life Insurance Program (ELIP) is calculated separately. Note: If you are covered under the Executive Bonus Insurance Plan (EBIP), your coverage follows that of all non-executives (1 times your Annual Benefits Salary).
| For Loss of | You receive this percentage of your Annual Benefits Salary |
|---|---|
| Life | 100% |
| Both Hands or Both Feet or Sight of Both Eyes | 100% |
| One Hand and One Foot | 100% |
| Speech and Hearing in Both Ears | 100% |
| Either Hand or Foot and Sight of One Eye | 100% |
| Movement of Both Upper and Lower Limbs | 100% |
| Movement of Both Lower Limbs | 100% |
| Movement of Three Limbs | 100% |
| Movement of the Upper and Lower Limbs of One Side of the Body | 100% |
| Either Hand or Foot | 50% |
| Sight of One Eye | 50% |
| Speech or Hearing in Both Ears | 50% |
| Movement of One Limb | 25% |
| Thumb and Index Finger of Either Hand | 25% |
| Third Degree Burn (75% or more of your body) | 100% |
| Third Degree Burn (50%–74% more of your body) | 50% |
Designate an insurance beneficiary
Your beneficiary is the person who will receive your associate insurance benefits upon your death. If you wish, you can name more than one beneficiary. To designate or update your beneficiary(ies), go to The Hartford at Work. First time logging in? Your User ID is your first and last initials followed by the last four digits of your SSN. Your password is your first and last initials followed by your date of birth (MMDDYYYY).
You are always the beneficiary for dependent life insurance.
Supplemental Insurance is a voluntary benefit offered in addition to the basic coverage that the company automatically provides. With Supplemental Insurance, you can buy, with post-tax dollars, additional life insurance for yourself up to 8 times your Annual Benefits Salary. Included in Supplemental Insurance is a separate line of coverage for AD&PL equal to the Supplemental Life coverage amount. That means you can have coverage up to 9 times your Annual Benefits Salary or $2 million, whichever is less. The minimum coverage amount is $5,000. The maximum coverage amount is calculated separately for life and AD&PL. The Guaranteed Issue (GI) amount is based on your Supplemental Insurance, so you will need to submit Evidence of Insurability (EOI) when you elect Supplemental Life coverage over $1 million.
For those enrolled in the ELIP, you can purchase Supplemental Life Insurance for up to 8 times your Annual Benefits Salary. Combined with ELIP, your Life Insurance coverage can be up to $2 million.
Please note for leaves beginning prior to April 3, 2022: Basic, Supplemental, Spouse, and Child Life Insurance and AD&PL coverage amounts are frozen while you are on a paid or unpaid leave.
You may purchase Dependent Life and AD&PL Insurance for your spouse or domestic partner and your dependent children up to age 26. Dependents in active, full-time military service are not eligible for Dependent Life coverage.
Payments will be made to you in the event of a dependent’s death. If you are not living at the time of payment, it will be made to the executors or administrators of your estate.
Your choices for Dependent Life and AD&PL coverage for your family are:
- $25,000 - $250,000 spouse or domestic partner; coverage must be in multiples of $25,000
- $10,000 or $20,000 child only
Some situations require Evidence of Insurability (EOI), or proof of good health, for Supplemental Life/AD&PL coverage and spousal/domestic partner life.
The chart below contains some examples of when EOI is and is not required.
| EOI Required | EOI Not Required | |
|---|---|---|
| As a New Hire |
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| During Open Enrollment or If You Experience a Qualified Life Event (QLE) |
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EOI is never required for Basic Life and AD&PL insurance, child insurance, and coverage increases due to salary changes and promotions.
If EOI is required, the enrollment system and your confirmation statement will reflect the highest level of coverage you are allowed without EOI rather than your actual election. The Hartford will review the EOI, and if the higher level of coverage is approved, your election will be updated at that time.