Supplemental Life and AD&D Insurance
Since every employee has different needs when it comes to life insurance, New Castle County provides you with the opportunity to apply and purchase for Voluntary Life Insurance through Hartford Life and Accident Insurance Co. This plan is 100% employee paid via payroll deductions.
- You can purchase supplemental Life and AD&D insurance in increments of $10,000.
- The maximum amount you can purchase cannot be more than 5 times your annual earnings or $500,000. Annual earnings are as defined in The Hartford’s contract with your employer.
- Employee must elect coverage in order to elect coverage for dependents. The coverage must be at least $10,000 for children or closest equal amount for your spouse.
If you are electing coverage after your initial offering, or electing to increase your current coverage, you will need to provide evidence of insurability that is satisfactory to The Hartford Insurance before coverage can become effective.
Video: Term Life Insurance
Voluntary Spouse Life & AD&D Insurance
If you elect supplemental life and AD&D insurance for yourself, you may choose to purchase spouse supplemental life and AD&D insurance in increments of $5,000, to a maximum of $50,000.
If applying for additional coverage outside of the initial offering, your spouse will need to provide evidence of insurability that is satisfactory to The Hartford before the excess can become effective. If you were previously eligible and are electing coverage for the first time or electing to increase your current coverage, you will need to provide evidence of insurability that is satisfactory to The Hartford before coverage can become effective.
Voluntary Child Life & AD&D Insurance
If you elect supplemental life and AD&D insurance for yourself, you may choose to purchase child(ren) supplemental life and AD&D insurance coverage in the amount(s) of $5,000 for each child – no medical information is required.
- Your child(ren) must be from Live Birth but not yet age 26 to be covered.
- Child(ren) age 26 or older may be covered if they were disabled prior to attaining age 26.
- Child(ren) from live birth but not yet age 6 months are limited to a reduced benefit of $1,000.
Hartford Supplemental Life Insurance Flyer
Hartford Supplemental Life Insurance (Spanish) Flyer
Why Do I Need Life Insurance?
Ask yourself this: In the event of my death, how would my family …
- Pay final expenses?
- Pay off debt?
- Pay for daily living expenses (housing, food, bills, etc.)?
- Replace Your Income?
- Maintain financial stability?