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.

If eligible, you may choose to enroll in life and accidental death and dismemberment (AD&D) insurance for yourself and your spouse/ domestic partner, as well as short term and long term disability benefits, all at group rates. 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), The Hartford Benefits Plan Summary for Washington employees (PDF), The Hartford Benefits Plan Summary for all other employees.

Life Insurance

Life insurance 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.

Employee & Spouse Voluntary Life Insurance Rates

Coverage for You

You can choose a coverage amount between $10,000 and $1,250,000. When applying during an initial enrollment period, the first $250,000 in coverage is guaranteed, meaning you don’t need to provide medical history (evidence of insurability) to be approved for this amount.. 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 will pay 100% of the cost of coverage (premium amount), which varies 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). When applying during an initial enrollment period, the first $30,000 is guaranteed, meaning you don’t need to provide medical history (evidence of insurability) to be approved for this amount. 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 will pay 100% of the cost of coverage (premium amount), which varies 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.

In addition to monetary benefits, AD&D also provides other benefits in the event of an accident, such as childcare and college tuition reimbursement, spousal education and re-training, and more.

Coverage for You

You can choose a coverage amount between $25,000 and $750,000. Because AD&D is based on accidents, no evidence of insurability is required, regardless of the amount elected.

You will pay 100% of the cost of coverage (premium amount) based on the coverage amount selected.

Coverage for Your Spouse or Partner

Coverage for your spouse or domestic partner is 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.

You will pay 100% of the cost of coverage (premium amount) based on the coverage amount selected.

Disability Insurance

If you had to miss work for an extended period of time, would you be able to support yourself financially? If not, you may want to consider disability insurance. These benefits provide regular monthly income if you become 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 Washington Employees

As a Washington employee, you automatically pay into disability insurance as part of your state taxes. These benefits are not unlimited and may only cover a portion of your pay. Effective January 1, 2020, you can begin claiming disability benefits directly through the Employment Security Department.

By electing voluntary short term disability insurance, Washington-based employees earning over $87,000 per year may receive tax-free benefits to supplement the state disability benefits, up to a maximum of 60% of your prior-year W-2 income. Payments will begin after you have been medically disabled for more than 7 days, and will continue for up to 13 weeks of a disability.

Long-term disability benefits are paid at a rate of 60% of your W-2 earnings, up to a maximum of $10,000 per month (tax-free), and are offset by other sources of income. The disability benefits will last until age 65 or until you’re no longer disabled.

You are guaranteed enrollment if you choose the insurance within 31 days of becoming eligible. If you apply outside of the initial enrollment period, you must provide medical history (evidence of insurability) and are subject to The Hartford’s approval.

Short Term & Long Term Voluntary Disability Rates

Benefit Amounts for California Employees

As a California employee, you automatically pay into disability insurance as part of your state taxes, but these benefits are not unlimited and only cover a portion of your pay. You can claim these benefits directly through the Employee Development Department.

By electing Short-Term Disability Insurance, 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 (tax-free), and are offset by other sources of income. The disability benefits will last until age 65 or until you’re no longer disabled.

You are guaranteed enrollment if you choose the insurance within 31 days of becoming eligible. If you apply outside of the initial enrollment period, you must provide medical history (evidence of insurability) and are subject to The Hartford’s approval.

Short Term & Long Term Voluntary Disability Rates

Benefit Amounts for All Other Employees

If you work outside of California and Washington, chances are your state doesn’t provide any type of disability insurance. By electing voluntary Short-Term Disability Insurance, you will receive up to 60% of your 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 (tax-free), and are offset by other sources of income. The disability benefits will last until age 65 or until you’re no longer disabled.

You are guaranteed enrollment if you choose the insurance within 31 days of becoming eligible. If you apply outside of the initial enrollment period, you must provide medical history (evidence of insurability) and are subject to The Hartford’s approval.

Short Term & Long Term Voluntary Disability Rates

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.