Supplemental Employee Life Insurance

Children’s provides you with the option to elect Supplemental Employee Life Insurance coverage to provide additional protection for your family in the case of your death. See the  Life Insurance/AD&D Summary Plan Description (SPD) under Resources at the left for more detailed information.

Who Can Enroll

You are eligible for Supplemental Employee Life Insurance if you are a regular full-time employee of Children’s or a regular part-time employee who is committed to work at least 40 hours per pay period.

When You Can Enroll

You are eligible to enroll in Supplemental Employee Life Insurance within 31 days of your date of hire. If you do not enroll within the 31-day window, you will not be able to enroll for the remainder of the calendar year unless you experience a change in family status.* Your next opportunity to enroll will be the next Annual Enrollment period. Certain restrictions apply based on Guaranteed Issue and Evidence of Insurability.

*Changes in family status include marriage, divorce, birth, adoption or legal guardianship of your child, death of a spouse, loss of coverage through your spouse or change in your employment status. See Making Benefit Changes on the home page of this site for additional information.

How Much Coverage You Can Buy

You may purchase Supplemental Employee Life Insurance in the following amounts up to $1.5 million:

• 1 x annual base salary.
• 2 x annual base salary.
• 3 x annual base salary.
• 4 x annual base salary.
• 5 x annual base salary.

Cost

You pay 100% of the cost for Supplemental Employee Life Insurance. Premiums are subject to change during the benefits plan year when your annual base pay changes, or when you move into a higher age premium bracket. See 2011 Rates at the left for costs.

Guaranteed Issue Amount

The Guaranteed Issue is the maximum amount of coverage you may elect without having to be approved by The Hartford underwriting through Evidence of Insurability (EOI). The Guaranteed Issue amount for Employee Supplemental Life Insurance is $500,000.

Evidence of Insurability (EOI)

Evidence of Insurability (EOI) in the form of a Personal Health Application is required for coverage greater than the Guaranteed Issue amount of $500,000, any increase in your coverage over one level or above the Guaranteed Issue,  or if you are a late entrant into the plan. You are a late entrant if you enroll for Supplemental Employee Life Insurance after your initial enrollment period (31 days from your date of hire).

You will be contacted after enrollment with information on the Evidence of Insurability (EOI) process. The completed Personal Health Application will be reviewed by The Hartford Underwriting. Children's will not have access to your Personal Health Information. If  approved, your coverage will go into effect on the first of the month after approval by The Hartford.

Human Resources Benefits will provide you with the information and forms needed for the approval process.

Beneficiary Designation

You are encouraged to designate a beneficiary (or beneficiaries) when you enroll for Supplemental Employee Life Insurance. You can make changes to your beneficiary (or beneficiaries) at any time by logging on to Lawson Employee Self-Service and clicking Benefits, then Beneficiary.