Life, AD&D and Disability

In the event of an illness or disability, do you have enough savings to financially support yourself or your family? Does your family depend on you for ongoing financial support? These are important questions to ask yourself when deciding whether income protection benefits are right for you.

Eligible employees may choose to enroll in life and accidental death and dismemberment (AD&D) insurance for you and your spouse or domestic partner at group rates. You can also get short-term and long-term disability benefits. These benefits are 100% employee paid with after-tax monthly payroll deductions.

Highlights of the benefits are on this page. For details, see The Hartford Benefits Plan Summary for California employees (PDF) or The Hartford Benefits Plan Summary for Non-California employees (PDF).

Life Insurance

Life insurance coverage helps you protect your family members financially in the event of your death. The benefits can help pay for funeral costs, mortgage payments, medical costs and other expenses.

Coverage for You

For yourself, you can choose a coverage amount between $10,000 and $1,250,000. The first $250,000 is guaranteed, meaning you don’t need to provide evidence of insurability when you first become eligible. If you choose any amount over $250,000, you must provide evidence of insurability and it is subject to The Hartford’s approval.

When you apply for coverage outside of the initial enrollment period, the total amount you choose will be subject to evidence of insurability. You’ll pay 100% of the cost of coverage (premium amount), and the cost may vary based on your age and the coverage amount selected.

Coverage for Your Spouse or Partner

Life insurance for your spouse/domestic partner is available in coverage amounts between $5,000 and $625,000 (or 50% of your coverage, whichever is less). The first $30,000 is guaranteed, meaning you don’t need to provide evidence of insurability when you first become eligible. If you choose any amount over $30,000, you must provide evidence of insurability and it is subject to The Hartford’s approval.

When you apply for coverage outside of the initial enrollment period, the total amount you choose will be subject to evidence of insurability. You’ll pay 100% of the cost of coverage (premium amount), and the cost may vary based on your age and the coverage amount selected.

Accidental Death and Dismemberment (AD&D) Insurance

AD&D Insurance provides you and your family with financial protection against any type of accidental death or loss of a limb or body function.

For your own AD&D coverage, you can choose an amount between $25,000 and $750,000 (in an increment of $25,000). Coverage for your spouse or domestic partner is also available at 50% of the amount of your own coverage, up to a maximum of $375,000.

Because AD&D is based on accidents, no evidence of insurability is required, regardless of the amount elected.

As an AD&D participant, you will also receive additional benefits. For example, if you suffer a loss due to a covered accident, your spouse may receive benefits for post-secondary education, and your family may receive benefits to pay for child daycare and education expenses.

Disability Insurance

Will you be able to support yourself financially in the event of an illness or disability? If not, consider Disability Insurance!  These benefits provide regular monthly income if you’re unable to work and medically disabled due to an injury or illness. There are two types of disability coverage available: short-term and long-term.

Short-term disability benefits start within 8 days of the illness or injury, but are for a limited period of time (up to 13 weeks). Long-term disability benefits start later (90 days after the illness or injury), but may continue until retirement.

Benefit Amounts for California Employees

As a California employee, you automatically pay into disability insurance as part of your state taxes, but how long can you survive off of 60%-70% of your wages (up to a weekly max of $1,216)?

By electing Short-Term Disability Insurance through The Hartford, California residents will receive an additional 20% of their pre-disability W-2 earnings. That’s up to $2,309 per week (tax-free) when you’re medically disabled for more than 7 days, and will continue for up to 13 weeks of a disability. Long-term disability benefits are 60% of your W-2 earnings, up to a maximum of $10,000 per month, and will last until age 65 or until you’re no longer disabled.

You are guaranteed enrollment if you choose the insurance when you’re first eligible. If you apply outside of the initial enrollment period, you must provide evidence of insurability.

Benefit Amounts for Non-California Employees

If you reside outside of California, chances are your state doesn’t provide any type of disability insurance. By electing Short-Term Disability Insurance through The Hartford, employees will receive up to 60% of their pre-disability W-2 earnings. That’s up to $2,309 per week (tax-free) when you’re medically disabled for more than 7 days, and will continue for up to 13 weeks of a disability. Long-term disability benefits are 60% of your W-2 earnings, up to a maximum of $10,000 per month, and will last until age 65 or until you’re no longer disabled.

You are guaranteed enrollment if you choose the insurance when you’re first eligible. If you apply outside of the initial enrollment period, you must provide evidence of insurability.

Educational Videos & Calculators

These fun, educational videos can help demonstrate the importance of life and disability insurance.

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Life insurance videos
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Disability insurance videos
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Calculators

These calculators can help you assess and determine your needs in 3 simple steps. Your results can be modified at the end should you want to consider alternate scenarios.