Survivor Benefits
Survivor Benefits
Life and AD&D insurance helps provide financial protection for your family.
Basic Life and AD&D Insurance
| Feature | Details |
|---|---|
| Carrier | The Hartford |
| Paid By | Employer |
| Eligibility | Full-time employee |
| Benefit Amount | $50,000 |
Carrier
- Details
- The Hartford
Paid By
- Details
- Employer
Eligibility
- Details
- Full-time employee
Benefit Amount
- Details
- $50,000
Voluntary Life and AD&D Insurance
| Coverage For | Paid By | Benefit Amount | Maximum Benefit | Evidence of Insurability |
|---|---|---|---|---|
| Employee | Employee | Increments of $10,000 | $500,000, not to exceed 5 times your annual earnings | New hires: The lesser of $250,000 or 5 times your annual earnings |
| Spouse | Employee | Increments of $5,000 | $250,000, not to exceed 100% of Employee amount | New hires: The lesser of $50,000 or 100% of your elected insurance amount |
| Child | Employee | $10,000 | $10,000 | N/A |
Employee
- Paid By
- Employee
- Benefit Amount
- Increments of $10,000
- Maximum Benefit
- $500,000, not to exceed 5 times your annual earnings
- Evidence of Insurability
- New hires: The lesser of $250,000 or 5 times your annual earnings
Spouse
- Paid By
- Employee
- Benefit Amount
- Increments of $5,000
- Maximum Benefit
- $250,000, not to exceed 100% of Employee amount
- Evidence of Insurability
- New hires: The lesser of $50,000 or 100% of your elected insurance amount
Child
- Paid By
- Employee
- Benefit Amount
- $10,000
- Maximum Benefit
- $10,000
- Evidence of Insurability
- N/A
- Semi-monthly premium rate: $1.15.
Voluntary Life and AD&D Insurance Rates/$1,000 (Semi-Monthly)
| Age | Employee Rate | Spouse Rate |
|---|---|---|
| 0-24 | $0.065 | $0.065 |
| 25-29 | $0.065 | $0.065 |
| 30-34 | $0.065 | $0.065 |
| 35-39 | $0.085 | $0.085 |
| 40-44 | $0.125 | $0.125 |
| 45-49 | $0.205 | $0.205 |
| 50-54 | $0.300 | $0.300 |
| 55-59 | $0.465 | $0.465 |
| 60-64 | $0.855 | $0.855 |
| 65-69 | $0.855 | $0.855 |
| 70+ | $1.045 | $1.045 |
0-24
- Employee Rate
- $0.065
- Spouse Rate
- $0.065
25-29
- Employee Rate
- $0.065
- Spouse Rate
- $0.065
30-34
- Employee Rate
- $0.065
- Spouse Rate
- $0.065
35-39
- Employee Rate
- $0.085
- Spouse Rate
- $0.085
40-44
- Employee Rate
- $0.125
- Spouse Rate
- $0.125
45-49
- Employee Rate
- $0.205
- Spouse Rate
- $0.205
50-54
- Employee Rate
- $0.300
- Spouse Rate
- $0.300
55-59
- Employee Rate
- $0.465
- Spouse Rate
- $0.465
60-64
- Employee Rate
- $0.855
- Spouse Rate
- $0.855
65-69
- Employee Rate
- $0.855
- Spouse Rate
- $0.855
70+
- Employee Rate
- $1.045
- Spouse Rate
- $1.045
- Spouse rates are based on the employee's age.