Hartford Voluntary Plans
Supplemental Term Life Insurance
SDSURF provides its Regular-Salaried employees other than Research Scholars (SE) with basic life insurance in the amount of one times annual salary at no cost to you. If you would like additional coverage for yourself or your dependents, you can apply for supplemental life insurance to provide the financial safety net that you'll need. SDSURF makes it easy by allowing you to pay the premiums through payroll deduction. (Visit our Life & Disability Insurance page for more information about basic life insurance.)
Your Supplemental Term Life Insurance Coverage Options As a New Employee
- For You:
- $10,000 increments up to $500,000
- Elect $200,000 with no medical questions
- Evidence of insurability required for any amount purchased above $200,000
- For Your Dependents:
- Spouse/domestic partner = Flat $25,000, with no medical questions
- Children: through age 25 = Flat $5,000 for each child, with no medical questions
Important Things To Know
- For your supplemental life insurance
- A personal health application or evidence of insurability is required for new employees wishing to purchase supplemental life insurance coverage for themselves above $200,000. The personal health application will be mailed to you if you wish to purchase insurance that exceeds $200,000. A completed personal heath application should be mailed directly to The Hartford’s address:
The Hartford Life and Accident Insurance Company
Group Medical Underwriting
P.O. Box 2999
Hartford's CT 06104-2999
- A personal health application or evidence of insurability is required for new employees wishing to purchase supplemental life insurance coverage for themselves above $200,000. The personal health application will be mailed to you if you wish to purchase insurance that exceeds $200,000. A completed personal heath application should be mailed directly to The Hartford’s address:
- For your dependents' supplemental life insurance
- If you are a new enrollee, you must purchase supplemental life insurance for yourself in addition to purchasing supplemental life insurance for your spouse, domestic partner, or children.
- The minimum amount of insurance you must purchase for yourself is:
- $30,000 if purchasing insurance for your spouse or domestic partner
- $10,000 if purchasing insurance for your children only
Monthly Costs for Supplemental Term Life Insurance
The Hartford’s Supplemental Life Insurance rates are affordable group rates. Listed below are the monthly rates as well as those rates to cover your spouse/domestic partner (based on your age and the amount of coverage you want). Rates to cover your child(ren) are also shown.
Note: For 2011, the premium is calculated on your age as of January 1, 2011
| Your Age | Your Monthly Cost Per $1,000 of Coverage |
Your Age | Spouse/Domestic Partner's Monthly Cost Per $1,000 of Coverage |
|---|---|---|---|
| Under 30 | $0.03 | Under 30 | $0.03 |
| 30–34 | $0.04 | 30–34 | $0.04 |
| 35–39 | $0.06 | 35–39 | $0.06 |
| 40–44 | $0.09 | 40–44 | $0.09 |
| 45–49 | $0.13 | 45–49 | $0.13 |
| 50–54 | $0.22 | 50–54 | $0.22 |
| 55–59 | $0.38 | 55–59 | $0.38 |
| 60–64 | $0.51 | 60–64 | $0.51 |
| 65–69 | $0.81 | 65–69 | $0.81 |
| 70–74 | $1.43 | 70–74 | $1.43 |
| 75+ | $2.56 | 75 + | $2.56 |
The cost of coverage will be automatically deducted from the paychecks you receive on the 10th of each month.
Cost for Your Child(ren)* – $0.15 per $1,000 of coverage or $0.75 per month for $5,000 worth of coverage
Voluntary Accidental Death and Dismemberment (AD & D) Insurance
SDSURF also provides its Regular-Salaried employees with basic accidental death and dismemberment (AD&D) insurance in the amount of one times your annual salary at no cost to you. If you would like additional coverage for you and your family you can apply for it. AD&D pays benefits in the event of death due to accident, but also pays in the event of a covered disabling injury. AD&D can cover lost income, costs associated with serious injuries, physical therapy, medical bills, psychological counseling, and more. You can choose the voluntary AD&D option that meets your needs, either when you are first eligible or annually during Open Enrollment:
- 1 to 10 x your annual salary
- Maximum amount of coverage you can purchase is $500,000
Coverage Amounts for Your Dependents:
- Dependent Spouse & Child(ren)
- Spouse/Domestic Partner – 40% of your coverage amount
- Child(ren) – 10% of your coverage amount
- Dependent Spouse & Domestic Partner Only:
- 50% of your coverage amount
- Dependent Child(ren) Only:
- 15% of your coverage amount
Monthly Cost for Voluntary Accidental Death & Dismemberment (VADD) Insurance
- Voluntary monthly cost per $1,000 of coverage:
- Employee – $0.016
- Employee & Family – $0.023
- Payable through payroll deduction
- Your monthly premium may change annually in January if your salary changed in the previous year.
Visit our Life & Disability Insurance page for more information about the basic accidental death and dismemberment (AD&D.) insurance.
Value Added Services Provided By The Hartford
Identity Theft Protection and Resolution Services (PDF Format, 1KB)* (available at no cost with 1 employer line of coverage AND 1 supplemental or voluntary line of coverage)
- A toll-free number for professional fraud support 24 hours/day
- Access to emergency cash, travel planning, and message relay
- The Hartford will contact 3 major credit card companies and other companies that maintain your accounts
- The Hartford will file disputes with the appropriate credit agencies
- The Hartford will notify for you, if necessary:
- The United States Postal Service
- Your banks
- The Social Security Administration
- The Internal Revenue Service (IRS)
- The Security and Exchange Commission
Online Will Preparation (PDF Format 147KB)* (available at no cost with Basic or Supplemental Life)
Travel Assist (PDF Format 690KB)* (available at no cost with Basic Life or Long Term Disability)
Beneficiary Assistance (PDF Format, 1.72MB)* (available at no cost with Basic or Supplemental Life)
Life Conversations: Personal Funeral Planning Package (PDF Format, 224KB)* (available at no cost with Basic or Supplemental Life)
Other Voluntary Plans Available Through MetLife - Auto, Home, and Pet
MetLife offers SDSURF employees a 10% discount on homeowners, renters, and condo insurance. Call 800-Get-Met8 to get a quote.
Automobile Insurance (PDF Format, 94KB)*
MetLife offers automobile insurance to all Regular-Salaried SDSURF employees. Under this program, you are able to enjoy special group rates that make coverage for your autos more affordable than ever before. You'll be offered convenient payment options, fast and professional customer service, 24 hour 7 days a week claim reporting, and only one number to remember for all your needs. Call 800 Get-Met8 to get a quote, and learn about all the money you can save.
Veterinary Pet Insurance (VPI) (PDF Format, 94 KB)*
With the rapidly advancing technology of veterinary services and the rising cost of veterinary care, pet owners will often need the assistance of pet insurance. VPI is the nation's oldest and largest health insurance for pets. VPI participants are free to use any veterinarian or specialist any where in the world. It will cover thousands of veterinary problems and conditions related to accidental injuries, poisoning and illnesses, with optional coverage available for routine and preventive care. VPI covers dogs, cats, birds, ferrets, rabbits, reptiles and other exotic pets for medical conditions relating to accidents, illnesses and injuries. Call 800 Get-Met8 to get a quote.
* Note: Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view. Download Adobe Acrobat Reader.