Supplemental Life Insurance

The County offers voluntary Supplemental Life Insurance to regular employees that work at least 20 hours per week which is administered through The Hartford. Coverage is also available to an employee’s spouse/domestic partner and eligible dependent children. Supplemental Life Insurance pays a benefit if you die while covered under the policy and covers losses that occur at or away from work.

Employee Coverage


You may apply for Supplemental Life Insurance in increments of $10,000. The minimum amount you may apply for is $10,000. The maximum amount you may purchase cannot be more than 5 times your annual earnings or $300,000, whichever is less.

Newly eligible employees must enroll within 30 days from their date of hire/date of becoming newly eligible to elect up to the Guarantee Issue (GI) amount without submitting evidence of good health requiring a Personal Health Application (PHA). The GI amount for employees is $150,000. If you elect more than $150,000 or if you apply (or increase coverage) at any time other than when newly eligible, you must complete a PHA, to be approved by The Hartford.

Spouse (and Domestic Partner) Coverage


You may apply for Supplemental Life Insurance for your spouse/domestic partner in increments of $5,000. The minimum amount you may apply for is $5,000. The maximum amount you can purchase cannot be more than the lesser of $150,000 or 50% of the employee’s combined Basic and Supplemental Life Insurance coverage.

Newly eligible spouses/domestic partners must enroll within 30 days from the employee’s date of hire/date of becoming newly eligible or the date of marriage/domestic partnership to elect up to the Guarantee Issue (GI) amount without submitting evidence of good health requiring a Personal Health Application (PHA). The GI amount for spouse/domestic partners is $30,000. If you elect more than $30,000 for your spouse/domestic partner or if you apply (or increase coverage) at any time other than when newly eligible, your spouse/domestic partner must complete a PHA, to be approved by The Hartford.

Children Coverage


You may enroll your children in Supplemental Life Insurance in increments of $5,000 for $.50 per month or $10,000 for $1.00 per month. The minimum amount you may enroll your children in is $5,000. The maximum amount you may enroll your children in is $10,000. Coverage is for all of your eligible dependent children, from their date of birth to the last day of the month in which they turn 26. Children may be enrolled at any time during the year and do not need to submit evidence of good health.

Premiums (Employee & Spouse Coverage)


Monthly premiums are 100% employee paid. Premium are based on rates, covered individual’s age and election amount January of each year. Premium rates will automatically increase every 5 years during the month of December in which the covered individual moves to the next age bracket.

Beneficiary Designation


You are encouraged to regularly review your beneficiary designation(s). Review the Employee's Guide to Designating Beneficiaries to learn more. The beneficiaries that you designate will be used for both Basic Life Insurance and Supplemental Life Insurance coverages. Contact Human Resources to review your current life insurance beneficiaries.

Effective Date


Coverage goes into effect subject to the terms and conditions of the policy. If you are eligible for the Guarantee Issue: If you are hired or are newly eligible between the 1st and the 15th of the month, your coverage is effective the first day of the month following your date of hire. If you are hired or are newly eligible between the 16th and the 31st of the month, your coverage is effective the first day of the second month following your date of hire.

If you apply for more than the Guarantee Issue amount(s) or apply at any time other than when newly eligible, the effective date is determined by when The Hartford approves your request. You will receive a decision letter in the mail from The Hartford.

Enrollment


You may enroll in Supplemental Life Insurance at any time during the year. To be eligible for the Guarantee Issue, you must enroll within 30 days of becoming newly eligible. To enroll or make changes:

  • Submit the Supplemental Life Insurance Enrollment Form to Human Resources
  • If you elect more than the Guarantee Issue amount(s) or if you apply (or increase coverage) at any time other than when newly eligible, you must complete a Personal Health Application (PHA), to be approved by The Hartford.

Conversion & Portability

 
Your group life insurance from The Hartford is valuable financial protection for you and your family. If your coverage ends, you have the option of continuing your life insurance coverage. Our plan includes a Conversion option and a Portability option, which means you may have a choice of “converting” your coverage to an individual policy or “porting” it to another group term life policy. Review the Portability and Conversion Guide for to learn more. To apply, complete the Notice of Continuation of Coverage. Call 877-320-0484 for assistance.

Certificate of Insurance

 


Supplemental Life Insurance Certificate of Insurance

Contact The Hartford


Roslyn Ericksen
Phone: 206-292-7141
Email: roslyn.ericksen@thehartford.com