Life and Accidental Death and Dismemberment (AD&D), through The Hartford, provide financial security to you and your family if you become seriously injured or pass away.
Providing economic security for your family if you pass away, become disabled, or experience an injury or illness is a major consideration in personal financial planning.
As an eligible employee working 20+ hours per week, you automatically receive Basic Life and AD&D insurance equal to 1.5 times your annual earnings to a maximum of $1,000,000.* This coverage is provided at no cost to you.
You may choose anyone to be the beneficiary of your Life and AD&D policy in the event of your death or serious injury.
Review your beneficiary designation in MyADP periodically to ensure it reflects your current wishes.
Supplemental Life and AD&D offer additional coverage for you and your loved ones at discounted rates. The chart describes the amounts of coverage you can buy for yourself, your spouse/domestic partner, and your child(ren).
| Benefit Features | Supplemental Life and AD&D Options** | ||
|---|---|---|---|
| Employee | Spouse/Domestic Partner | Dependent Child(ren) | |
| Supplemental Life Coverage Options | 1x to 5x your annual earnings up to $500,000 | $5,000 increments up to $150,000 (cannot exceed 50% of the employee’s amount) | $5,000 for each dependent over 6 months; $100 for age 15 days to 6 months |
| Supplemental AD&D Coverage Options | 1x to 5x your annual earnings up to $500,000 | 50% of employee benefit if no children; 40% of employee benefit if children are covered |
15% of employee benefit if no spouse is covered; 10% of employee benefit if spouse is covered |
| Guaranteed Issue Amount | $300,000 | $20,000 | All amounts |
| Guaranteed Issue Period | Within 30 days of benefits eligibility or a qualifying life event | ||
*Age reduction applies, see policy documents for more details.
**Evidence of Insurability (EOI) may be required. The Hartford will email you directly to complete EOI information. You are required to complete the EOI within 60 days, then your application will be closed.
Review the plan summaries for detailed information.