SUPPLEMENT TERM LIFE INSURANCE
Plan Materials
Overview
You can purchase additional life insurance coverage in multiples of your salary through Supplemental Term Life Insurance. Coverage for your dependents is also available through this plan.
During your initial enrollment period, guaranteed coverage amounts are available without the need for Evidence of Insurability (EOI). Refer to the page that follows for a description of Guaranteed Issue Amounts (GIA) by the applicable situation. If you waive coverage during your initial enrollment, EOI will be required if you later decide to enroll. EOI is also needed if your application for coverage exceeds the GIA. If the amount of coverage you request exceeds the GIA, the excess amount will not be effective unless or until The Hartford approves.
| Coverage For | Supplemental Life Coverage Amounts Available* | |
|---|---|---|
| You | 1, 2, 3, 4, or 5 times your annual salary, rounded to next highest$1,000, up to a maximum of $1,000,000 | |
| Your Spouse or Domestic Partner | Any dollar amount, in increments of $10,000, up to a maximum of $250,000 | |
| Your Children up to Age 26 | $5,000 or $10,000 per child |
Supplemental Life Insurance Coverage Guaranteed Issue Amounts (GIA)
You will need to submit Evidence of Insurability (EOI) if the coverage amount you are requesting is higher than the following “guaranteed issue” amounts:
For newly eligible colleagues and dependents enrolling within 31 days of first becoming eligible:
- For yourself: Three times your annual salary up to a maximum of $500,000
- For your spouse or domestic partner: $30,000
- For your eligible children: $10,000
For Supplemental Term Life participants requesting to increase existing Supplemental Term Life coverage:
- For yourself: Increase of one times your annual salary up to maximum coverage amount equal to the lesser of three times salary or $500,000
- For your spouse or domestic partner: Increase $10,000 up to no more than $30,000 total coverage for your spouse.
- For your eligible children: Increase from $5,000 to $10,000
For colleagues or a spouse/domestic partner who are not already enrolled in Supplemental Term Life and who became eligible more than 31 days ago:
- Evidence of Insurability will be required for all enrollment requests made more than 31 days after first becoming eligible. There are not “guaranteed issue” amounts in such cases.
Contact Information
The Hartford Customer Services
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