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E BasicLfieandAD&DI nsurance
a o d o t e v o b a t x e t e h t s e s u s s e c o r p t s o p A . e r e h x o b t x e t s i h t s i h
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This highlight sheet is an overview of your basic life and AD&D insurance. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail.
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W basic ilfeand e c n a r u s n i D
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Am I eligible? You are eligible if you are an active full-time EHQHILWVHOLJLEOHemployee.
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e t a n g i s e d t s u m u o y , o s e n o d y d a e rl a t o n e v a h u o y f I .l l o r n e o t e v a h t o n o d u o
yeneifciaryasdesc irbedbelow . b
? ll o r n e I n a c n e h W
Coverage goes into effect RQ\RXUGDWHRIKLUH.
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Your benefit will reduce by 35% at age 70 and by 50% at age 75. All coverage cancels XSRQWHUPLQDWLRQRIHPSOR\PHQW
s n o i t c u d e R t i f e n e B
ti f e n e b a s e v i e c e r o h w ) s e it it n e ( y ti t n e l a g e l r o ) s n o s r e p r o ( n o s r e p e h t s i y r a i c if e n e b r u o
Yaymenti fyoudiewhlieyouarecoveredbyt hepoilcy .Youmus tselec tyourbeneifciary pwhenyoucompleteyourenrollmen tappilcaiton ;yourselecitoni sl egallybinding .
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Anjuiresordeathcanoccurupt o365daysatfert ha taccident .Thei nsurancepays : i
• 100% of the amount of coverage in the event of accidental loss of life,two limbs, the sight of both eyes, one limb and the sight of one eye, or speech andhearing in both ears or quadriplegia.
• 75%f orparaplegiaort irplegia(paralysisoft hree ilmbs).
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• I fyoul eaveyouremployer ,portablitiyi sanopitont ha tallowsyout oconitnueyourl fie o t r o ir p t n e m y o l p m e r u o y e t a n i m r e t t s u m u o y , e l b i g il e e b o T . e g a r e v o c e c n a r u s n
i ocia lSecurtiyNorma lRetriemen tAge
S .Thisopitonallowsyout oconitnueal lora . y c il o p m r e t y ti li b a t r o p e t a r a p e s a r e d n u e g a r e v o c e c n a r u s n i e fi l r u o y f o n o it r o
portablitiyi ssubjectt oaminimumo f$5,000andamaximumo f
P $250,000anddoes
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tnsurancewouldbepaidt oyourbeneifciarywhenyoudie . i
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WBenefitsOption?
• sickness ;disease ;oranyt reatmentf oretiher;
• anyi nfeciton ,excep tcertainonescausedbyan
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• intenitonallysefl i-nflictedi njury ,suicideorsuicide
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• injurysustainedwhliei nt hearmedf orceso fany
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I si sstandardwtihmostt erml fiei nsurance,t hisi nsurancecoveragei ncludescertain ilmtiaitonsandexclusions : A • theamoun to fyourcoveragemaybereducedwhenyoureachcertainages.
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f o e t a c fi it r e c a , r e y o l p m e r u o y o t d e u s s i s i y c il o p p u o r g a e c n O . e g a r e v o c r u o y n o p u g n i d n e p e d y l p p a y a m s n o i s u l c x e r e h t
Onsurancewli lbeavaliablet oexplainyourcoveragei ndetali . i
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To tacontract .tIi nnowaychangesoraffectst hepoilcyasactuallyi ssued .Onlyt hei nsurancepoilcyi ssuedt ot hepoilcyholder nyouremployer)canf ullydescirbeal loft heprovisions,t erms ,condiitons ,ilmtiaitonsandexclusionso fyouri nsurance
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| e u l a V _ 1 L V
S Supplementa lLfieI nsurance
a o d o t e v o b a t x e t e h t s e s u s s e c o r p t s o p A . e r e h x o b t x e t s i h t s i h
TFind/Replace"o fva irablet ex tandt heheader .
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S paysyourbeneifciary(pleaseseebelow)abeneftii fyoudie .
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r u o y f o w e i v r e v o n a s i t e e h s t h g il h g i h s i h
T supplementall fiei nsurance .Onceagroup r u o y n i a l p x e o t e l b a li a v a e b l li w e c n a r u s n i f o e t a c if it r e c a , r e y o l p m e r u o y o t d e u s s i s i y c il o
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W supplementa lilfe e c n a r u s n
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You are eligible if you are an active full-time EHQHILWVHOLJLEOHemployee.
? e l b i g il e I m A
You can enroll during your scheduled DQQXDOenrollment period, within 31 days of the date you have a change in family status, or within 31 days of the completion of your eligibility waiting period as stated in your group policy.
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Ccitvelya tworkwtihyouremployeront hedayyourcoveraget akeseffect .
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The maximum amount you can purchase cannot be more than 4 times your annual basic earnings or $500,000. Annual basic earnings are as defined in The Hartford’s contract with your employer.
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ti f e n e b a s e v i e c e r o h w ) s e it it n e ( y ti t n e l a g e l r o ) s n o s r e p r o ( n o s r e p e h t s i y r a i c if e n e b r u o
Yaymenti fyoudiewhlieyouarecoveredbyt hepoilcy .Youmus tselec tyourbeneifciary phenyoucompleteyourenrollmen tappilcaiton ;yourselecitoni sl egallybinding . w
? y r a i c i f e n e b a s i t a h W
d r o ft r a H s e i n a p m o c g n i u s s i g n i d u l c n i s e ir a i d i s b u s s ti d n a . c n I , p u o r G s e c i v r e S l a i c n a n i F d r o ft r a H e h T s i
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This coverage, like most group benefit insurance, requires that a certain percentage of eligible employees participate. If that group participation minimum is not met, the insurance coverage that you have elected may not be in effect.
s n o i t a t i m il r e h t o e r e h t e r
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Your coverage will cancel at age 70. All coverage cancels XSRQWHUPLQDWLRQRIHPSOR\PHQW
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Dceas Igetolder? u
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: f o n o it p o e h t e v a h u o y , t c a r t n o c e h t o t t c e j b u s , s e Y
• Converitngyourgroupl fiecoveraget oyourowni ndividua lpoilcy(poilcies).
• I fyoul eaveyouremployer ,portablitiyi sanopitont ha tallowsyout oconitnueyourl fie o t r o ir p t n e m y o l p m e r u o y e t a n i m r e t t s u m u o y , e l b i g il e e b o T . e g a r e v o c e c n a r u s n
i ocia lSecurtiyNorma lRetriemen tAge
S .Thisopitonallowsyout oconitnueal lora . y c il o p m r e t y ti li b a t r o p e t a r a p e s a r e d n u e g a r e v o c e c n a r u s n i e fi l r u o y f o n o it r o
portablitiyi ssubjectt oaminimumo f$5,000andamaximumo f
P $250,000anddoes
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n i ncludecoveragef oryourdependents .Toelec tportablitiy ,youmus tapplyandpay f o e c n e d i v E . e c n a r u s n i e fi l r u o y f o n o it a n i m r e t e h t f o s y a d 1 3 n i h ti w m u i m e r p e h
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a h ti w l li y ll a n i m r e t s a d e s o n g a i d e r a u o y f
I 9monthl fieexpectancy ,youmaybeeilgiblet o e fi l r u o y f o t n u o m a g n i n i a m e r e h T . e c n a r u s n i e fi l r u o y f o n o it r o p a f o t n e m y a p e v i e c e
rnsurancewouldbepaidt oyourbeneifciarywhenyoudie. i
g n i v il e h t s i t a h
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e g a e r o f e b d e l b a s i d y ll a t o t e m o c e b u o y f
I 60andyourdisablitiyl astsf oratl eas t6months,
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I si sstandardwtihmostt erml fiei nsurance,t hisi nsurancecoveragei ncludescertain ilmtiaitonsandexclusions : A
• theamoun to fyourcoveragemaybereducedwhenyoureachcertainages.
• deathbysuicide(twoyears).
f o e t a c if it r e c a , r e y o l p m e r u o y o t d e u s s i s i y c il o p p u o r g a e c n O . e g a r e v o c r u o y n o p u g n i d n e p e d y l p p a y a m s n o i s u l c x e r e h t
Onsurancewli lbeavaliablet oexplainyourcoveragei ndetali . i
s i d n a y l n o s e s o p r u p e v it a r t s u ll i r o f d e d i v o r p s i d n a d e r e ff o g n i e b e c n a r u s n i e h t f o w e i v r e v o n a s i t e e h s s t h g il h g i h t if e n e b s i h
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