Group Life Insurance through The Hartford
You will receive in the mail a letter from The Hartford. This letter will contain your unique login information. You will need to log into the website provided in the letter to declare your beneficiaries of the life insurance policies and make supplemental life insurance elections within 30 days of your date of hire.
Employee Basic Term Life Insurance
The University pays the premium for Basic Life Insurance of one times your annual salary rounded to the nearest $1,000, to a maximum of $250,000.
Employee Supplemental Term Life Insurance
You may enroll with The Hartford for supplemental insurance up to a lesser of five times your annual salary or $400,000 without evidence of insurability if done at the employee’s initial enrollment for benefits. In addition, life insurance may be increased in units of $10,000 to a maximum of $1.5 million with evidence of insurability.
Dependent Term Life Insurance
You may enroll your spouse and dependent children in term life insurance programs with The Hartford. Dependent Basic life: $10,000 of coverage for spouse and $5,000 for qualified children. Supplemental Dependent Life in units of $10,000 to a maximum of $250,000 for spouse and in units of $5,000 to a maximum of $20,000 for children. Coverage after the $20,000 supplemental for spouse requires proof of insurability. Child life insurance does not require proof of insurability.
Hartford Life Insurance Conversion and Portability
How It Works - The Portability option allows terminating employees to continue their life insurance coverage under a separate group policy. This means you can take your coverage with you at a reasonable group rate when you leave your job.
The Hartford will mail a letter to your home address after terminating with the University. This letter will contain all the information you need to set up the Conversion and Portability. For information about taking your life insurance policy(ies) with you when you leave USU or converting to your own policy with The Hartford, please call the Portability/Conversion Unit at (877) 320-0484.
- Group Life Portability and Conversion Comparison Guide
- Life Insurance Conversion Rates
- Life Insurance Portability Rates
Log Into the Hartford Online
To make changes, Log Into The Hartford and follow the web site directions to complete the process. It must be completed during open enrollment or after a life event.