Life Insurance
All benefit eligible employees are automatically enrolled in the basic Life Insurance Program through The Hartford. The District provides 1 x your annual salary or $50,000 (whichever is greater) at no cost to you.
Group Policy #681933
(for Basic, Supplemental & Dependent Life Insurance Coverage)
As a new hire you can select, up to 5 times your annual earnings ($500,000 maximum). Amounts elected in excess of $250,000 will require a Statement of Health. Your spouse can apply for amounts equal to 100% of the employee's coverage up to $100,000. Spouse life insurance elected in excess of $40,000 will require a Statement of Health.
Unmarried children from 14 days old to age 26 are eligible for up to $10,000 of life insurance.
Each year during Open Enrollment established policies can be increased by $10,000 for participating employees and their spouse . A Statement of Health will be required for any increase over $10,000. Once coverage reaches $250,000 for an employee all increases will be subject to a Statement of Health. Once spouse coverage reaches $40,000 all increases will be subject to a Statement of Health.
Active employees not previously enrolled can select supplemental, spouse & child life each year during Open Enrollment . This enrollment will require a Statement of Health.
Premiums are paid on an after-tax basis through payroll deductions. This policy has a portability option allowing employee coverage to continue after termination of employment.
Employee Beneficiary Designation
Complete the form and mail to Diane Loya, Employee Benefits Office, 2nd Floor Ste. 225, RSCCD District Office. Please note, this form does not automatically update other beneficiary information with non-Hartford voluntary life insurance plans, RSCCD HR Dept. or pension providers. Please contact the appropriate provider for assistance.
Complete a Statement of Health for yourself and each family member you wish to insure. Mail the Statement of Health to The Hartford:
Hartford Life And Accident Insurance Company
Statement of Health Unit
One Hartford Plaza
Hartford, CT 06155
Additional Life Insurance Support Services
Grief is hard. And when you add things like estate planning and probate management, immediate arrangements and taxes, it can be overwhelming and stressful. But you don't have to deal with it all on your own. You have access to resources and real, trained professionals who are there to listen and offer support during this difficult time.
The Hartford offers the following additional services at no additional cost to employees enrolled in the District's Employee Basic Life Insurance.
Visit: http://join.empathy.com/hartford
Enter your name and email address and they will text you a code.
Help for all the difficult emotions they may be feeling
- Licensed social workers provide emotional guidance
- Guided meditation helps loved ones find encouragement
- Self-care tools and reflection workflows
Checklists and templates to stay on top of every detail
- Detailed instructions and on-demand assistance with finding a funeral home
- Help with identifying vendors, planning events and arranging all details
- Funeral home cost negotiation assistance
A professionally written obituary in minutes
- Online obituary writing wizard tool offers step-by-step guide
- Details collected and crafted into beautiful tribute
- Ready for publication in minutes
1:1 chat with a dedicated expert for guidance
- Care Manager interacts with family in way that works best for them (phone, email, text and digital app)
- Dedicated Care Manager to assist through a multi-step process, adapted to each family’s unique needs
- Personalized Care Plan created
- Care Manager provides outlet for emotional challenges throughout the process
Support for the process by sharing with up to 10 others on an account
A safe place to upload, organize, and share crucial documents
Guidance to the ins and outs of this complex process
- Estate administration experts available for on-demand support
- Probate guidance and resources
Automated canceling of memberships, accounts and subscriptions
- Assistance with closing personal accounts on family’s behalf
- Includes financial, memberships, subscriptions and social media accounts
- Empathy will manage all necessary communications and avoid unnecessary charges
Every detail worked out to save the family time and headaches
- Assistance with drafting a will and creating a last wishes document
- Personalized guidance with state-specific instructions
In-depth information on any topic
You Beneficiary Assist®2 Counseling Services offers compassionate expertise to help you or your beneficiaries (those you name in your policy) cope with emotional, financial and legal issues that arise after a loss. Includes unlimited phone contact with a counselor, attorney or financial planner for up to a year, and five face-to-face sessions.
For more information on Beneficiary Assist® Counseling Services, call 1-800-411-7239.
EstateGuidance®2 Will Services helps you protect your family's future by creating a will online—backed by online support from licensed attorneys. Your will is customized and legally binding. For more information on EstateGuidance® Will Services:
Use Code: WILLHLF
Funeral Planning and Concierge Services 1 provides a suite of online tools to guide you through key decisions before a loss, including help comparing funeral-related costs. After a loss, this service includes family advocacy and professional negotiation of funeral prices with local providers—often resulting in significant financial savings.
For more information on Funeral Planning and Concierge Services:
Call 1-866-854-5429 or visit www.everestfuneral.com/hartford Use Code: HFEVLC