Life Insurance


The Hartford purchased Aetna's group life business in 2018. Effective December 1, 2019, the State's administrator for group life insurance will change from Aetna to The Hartford. This transition will not affect the schedules or coverage of the State's group life insurance plans, but please check back here in late November for updated plan documents and contact information.

Overview

Unless they waive coverage at hire, State employees are automatically enrolled in Basic life insurance through payroll deduction. They may also choose to enroll in Supplemental life insurance at hire. Coverage is offered by The Hartford, and employees pay the full cost for both Basic and Supplemental coverage. Accidental death and personal loss coverage is included in Basic life insurance, and it does not require an additional premium.

Coverage Details

NOTE: The Summary of Coverage and Life Insurance Booklet documents below refer to coverage through the previous administrator, Aetna. Coverage policy remains the same under The Hartford, but your group policy number with The Hartford is 804857, not GP-657293 as referenced in the documents below. Plan documents for The Hartford will be posted here when they become available.

The Summary of Coverage provides a brief overview of your life insurance coverage and eligibility rules. The Life Insurance Booklet provides greater detail on qualifying claims and claims processing.

› Life Insurance Schedules
Basic Schedule
Classification Amount
All employees 100% of your base annual salary (excluding overtime), rounded to the next highest $1,000.

Maximum: $150,000
Supplemental Schedule
Classification Amount
All employees 100% of your base annual salary (excluding overtime), rounded to the next highest $1,000.

Maximum: $150,000
Schedule of Accidental Death and Personal Loss Coverage*
Classification Amount
All employees 100% of your base annual salary (excluding overtime), rounded to the next highest $1,000.

Maximum: $150,000

* Coverage is included in Basic life insurance and does not require an additional premium. See your Life Insurance Booklet for a list of qualifying conditions.

› Age Reduction Rule

Policy value will start to decrease from age 65 onward as shown below.

Employee Age Value of Policy
65 94%
66 82%
67 70%
68 58%
69 46%
70-74 40%
75-79 30%
80+ 25%
Claims Processing

To process a claim, please contact The Hartford at 1-888-755-1503. The Hartford group policy number is 804857.

Any State employee that satisfies all of the following criteria is eligible to enroll:

You are automatically enrolled in the Basic group life insurance unless you choose to waive coverage. To waive Basic life insurance or to enroll in Supplemental life insurance, submit the Employee Group Life Insurance Form by:

  • Using the "Upload Documents" option in Workterra (recommended)
  • Emailing , or
  • Faxing to (401) 574-9281
    • Be sure to keep your fax confirmation for proof of submission!

If you want to add Supplemental coverage at a later date, or if you initially waived all coverage and want to elect some level of coverage at a later date, you are considered a late applicant and will need to submit the above enrollment form and provide evidence of insurability (EOI) to the State’s life insurance carrier when prompted. Life insurance coverage for late applicants is not effective unless and until the carrier approves the application. The EOI process is handled entirely by the carrier.

Beneficiary information for your group life policy is maintained by The Hartford. To designate beneficiary(ies), please complete and send the Beneficiary Designation Form to The Hartford.

Premium rates are quoted per $1,000 of coverage.

Example: A 30-year old employee earning $43,217 per year is enrolled in Basic and Supplemental life insurance

  • His Basic and Supplemental life insurance would each provide coverage of $44,000 (rounded up to the nearest $1,000)
  • Since premium rates are quoted per $1,000 of coverage, he would have $44,000 / $1,000 = 44 units of coverage
  • Assuming he is on the 26 pay period schedule, his biweekly premium cost would be:
    • 44 x $0.203 = $8.93 for Basic coverage
    • 44 x $0.037 = $1.63 for Supplemental coverage

26 Pay Period Rates
Employee Age Value of Policy Basic Life Rate Supplemental Life Rate
< 30 100% $0.2030 $0.0249
30-39 100% $0.2030 $0.0374
40-44 100% $0.2030 $0.0503
45-49 100% $0.2030 $0.0831
50-54 100% $0.2030 $0.1366
55-59 100% $0.2150 $0.2562
60-64 100% $0.2150 $0.3974
65 94% $0.2150 $0.6129
66 82% $0.2150 $0.6129
67 70% $0.2150 $0.6129
68 58% $0.2150 $0.6129
69 46% $0.2150 $0.6129
70-74 40% $0.2150 $1.0325
75-79 30% $0.2150 $1.6375
80+ 25% $0.2150 $2.3026
20 Pay Period Rates
Employee Age Value of Policy Basic Life Rate Supplemental Life Rate
< 30 100% $0.2648 $0.0324
30-39 100% $0.2648 $0.0486
40-44 100% $0.2648 $0.0654
45-49 100% $0.2648 $0.1080
50-54 100% $0.2648 $0.1776
55-59 100% $0.2802 $0.3330
60-64 100% $0.2802 $0.5166
65 94% $0.2802 $0.7968
66 82% $0.2802 $0.7968
67 70% $0.2802 $0.7968
68 58% $0.2802 $0.7968
69 46% $0.2802 $0.7968
70-74 40% $0.2802 $1.3422
75-79 30% $0.2802 $2.1288
80+ 25% $0.2802 $2.9934

Please contact The Hartford for claims processing and additional assistance: