Basic life and AD&D
The City provides basic life insurance equal to $50,000 at no cost to
you. Basic life is also available for your dependents in the amount of
$1,000 per dependent and is employee-paid.
If you die as the result of an accident - on or off the job - your
beneficiary will receive an additional benefit equal to your basic life
insurance coverage amount.
You can also purchase supplemental coverage for yourself, your spouse
and/or your dependent children. You must elect supplemental life for
yourself in order to elect it for
your spouse and/or children. Rates are based on your and your spouse's
age and whether you and/or your spouse use tobacco products.
Life Insurance at a glance
Adding or increasing coverage
|$10,000 - $300,000 (in increments of $10,000)
|Your spouse or qualified domestic partner
|$5,000 - $150,000 (in increments of $5,000), up to 100% of employee's supplemental life coverage amount
|Your children ages 6 months to 26 years
||$1,000 per child
|$10,000 per child
During annual enrollment, you may increase your supplemental life
coverage by $10,000 or $20,000, up to the guaranteed issue limit of
$100,000, without answering any medical questions. If you add coverage
or make any other changes to your or your spouse's supplemental life
coverage, you must provide proof of good health and have it approved by The Hartford before any increase in coverage is effective. Proof of
good health is not required for child life insurance.
If you are newly eligible and wish to elect more than the guarantee
issue amount of $100,000 in coverage for yourself (or more than $30,000
for your spouse), you and/or your spouse will be required to provide
proof of good health. Your coverage over the guarantee issue amount will
not be effective until your proof of good health is approved by The Hartford. In addition, if you decline coverage when first eligible
and then elect it later, you must provide proof of good health before
coverage goes into effect.