Life Insurance


Overview

Rhode Island State employees working at least 20 hours per week are eligible for group term life insurance coverage provided by The Hartford. There are two levels of coverage available: basic and supplemental. Unless coverage is waived at hire, State employees are automatically enrolled in basic coverage without having to satisfy evidence of insurability (EOI) requirements with The Hartford. They may also choose to enroll in supplemental coverage at the time of hire without having to satisfy The Hartford’s EOI requirements. More information on EOI can be found on the “Enrollment/Waiver” tab of this page.

Employees pay the full cost for both basic and supplemental coverage.

Accidental death and dismemberment coverage is included in basic coverage, and it does not require an additional premium.

Coverage Details

State employees that have elected group term life insurance are covered in accordance with the below Life Insurance Schedules while they are employed by the State of Rhode Island. Accidental death and dismemberment coverage is included with basic life insurance coverage.

The first $50,000 in policy value is deducted on a pre-tax basis (“GROUP LIFE PRETAX” on employee paystubs) and any remaining premium deduction is done on a post-tax basis (“GROUP LIFE” on employee paystubs). The premium amounts are determined in accordance with the rates posted on the “Premium Rates” tab of this page. Pursuant to the below Age Reduction Rule, beginning at age 65 an employee’s life insurance coverage decreases in value as the employee ages. Premiums are based on current policy value, including any decrease based on the Age Reduction Rule.

› 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%
The Hartford Policy Details
Customer Service and Claims Processing

Please contact The Hartford for claims processing and additional assistance:

  • For beneficiary management assistance, policy value inquiries or other general questions, call 1-855-396-7655
  • To initiate a claim, call 1-888-755-1503

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

New hires are automatically enrolled into basic life insurance coverage at the time of hire unless they elect to waive life insurance coverage.

To enroll in life insurance coverage or waive life insurance coverage, submit the Group Term Life Insurance Enrollment Form during an enrollment period 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!
Evidence of Insurability

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 Group Term Life Insurance Enrollment Form and provide evidence of insurability (EOI) to The Hartford when prompted. “Providing EOI” usually only means completing a medical history questionnaire, but The Hartford may request additional information/documentation. Life insurance coverage for late applicants is not effective unless and until The Hartford approves the application. The EOI process is handled entirely by The Hartford.

The State of Rhode Island does not maintain any beneficiary information for employee group life policies. Group life beneficiary information is maintained exclusively by The Hartford.

To designate beneficiary(ies):

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 $0.2010 = $8.84 for basic coverage (all deducted pre-tax because the policy value is less than $50,000)
    • 44 x $0.0370 = $1.63 for supplemental coverage
      • The premium attributable to $6,000 of supplemental policy value would be deducted pre-tax: 6 x $0.0370 = $0.22 (when added to the $8.84 pre-tax deduction for basic coverage above, the total pre-tax premium deduction would be $9.06)
      • The premium attributable to the remaining $38,000 of supplemental policy value would be deducted post-tax: 38 x $0.0370 = $1.41

26 Pay Period Rates
Employee Age Value of Policy Basic Life Rate Supplemental Life Rate
< 30 100% $0.2010 $0.0249
30-39 100% $0.2010 $0.0374
40-44 100% $0.2010 $0.0503
45-49 100% $0.2010 $0.0831
50-54 100% $0.2010 $0.1366
55-59 100% $0.2130 $0.2562
60-64 100% $0.2130 $0.3974
65 94% $0.2130 $0.6129
66 82% $0.2130 $0.6129
67 70% $0.2130 $0.6129
68 58% $0.2130 $0.6129
69 46% $0.2130 $0.6129
70-74 40% $0.2130 $1.0325
75-79 30% $0.2130 $1.6375
80+ 25% $0.2130 $2.3026
20 Pay Period Rates
Employee Age Value of Policy Basic Life Rate Supplemental Life Rate
< 30 100% $0.2613 $0.0324
30-39 100% $0.2613 $0.0486
40-44 100% $0.2613 $0.0654
45-49 100% $0.2613 $0.1080
50-54 100% $0.2613 $0.1776
55-59 100% $0.2769 $0.3330
60-64 100% $0.2769 $0.5166
65 94% $0.2769 $0.7968
66 82% $0.2769 $0.7968
67 70% $0.2769 $0.7968
68 58% $0.2769 $0.7968
69 46% $0.2769 $0.7968
70-74 40% $0.2769 $1.3422
75-79 30% $0.2769 $2.1288
80+ 25% $0.2769 $2.9934
Additional Services

If you are enrolled in group term life insurance coverage from The Hartford, you and your beneficiaries will have access to several additional services:

Please contact The Hartford for claims processing and additional assistance:

  • For beneficiary management assistance, policy value inquiries or other general questions, call 1-855-396-7655
  • To initiate a claim, call 1-888-755-1503
Portability & Conversion

Portability and conversion are ways you can preserve life insurance coverage lost due to your termination from State employment or a reduction in policy value due to the Age Reduction Rule.

Porting coverage results in group term life coverage similar to active coverage that features comparable premium rates. You are eligible to port coverage so long as you’re under your Social Security Normal Retirement Age. Porting coverage is generally viewed as a temporary option that helps fill a gap between periods of life insurance coverage.

Converting coverage results in an individual whole life policy that is significantly more expensive than group term coverage.

Review The Hartford’s Guide to Portability and Conversion for additional details. Please note that this document is not specific to the State of Rhode Island’s life insurance benefit so there are references in it that are not applicable to you (for example, it references dependent coverage which State Rhode Island employees do not have).

To port or convert coverage, obtain The Hartford’s Portability and Conversion Application (with the employer section completed) from the Office of Employee Benefits and return it to The Hartford. You must apply to port or convert coverage to The Hartford within 31 days after your group coverage terminates or policy value is lost.