Basic Life and AD&D Insurance
(Accidental Death & Dismemberment Insurance)
We provide a basic life and accidental death & dismemberment (AD&D) insurance benefit to all eligible employees with The Hartford.
Enrollment is automatic and Northwest Center pays the full cost of your coverage.
- Life insurance pays your beneficiary a benefit in the event of your death.
- AD&D insurance pays a benefit if your death results from an accident or if you are severely injured in an accident.
| Basic Life/Accidental Death & Dismemberment (AD&D) | ||
|---|---|---|
| Employee Basic Life Benefit | $10,000 | |
| Employee Basic AD&D Benefit | $10,000 | |
| Benefit Reductions due to Age | Reduced to 65% at age 65, and to 50% at age 70 | |
Life and AD&D Booklet - Hartford Northwest Center
Life and AD&D Benefit Summary for Full Time Employees
Voluntary Supplemental Life and AD&D Insurance
Northwest Center offers all eligible employees the opportunity to purchase life and AD&D insurance through The Hartford.
You will be eligible on the first of the month following 60 days of full time employment. This benefit is employee-paid through convenient payroll deductions.
If you would like to purchase coverage in excess of the guarantee issue amounts, or if you apply for coverage after your initial eligibility period, you will need to answer health related questions to provide proof of insurability.
Certain delays in coverage may occur if you are not actively at work, or if your dependents are confined to a medical facility or unable to perform, unaided, the normal functions of daily living.
See the voluntary life policy for more information.
| Voluntary Life/Accidental Death & Dismemberment (AD&D) | ||||
|---|---|---|---|---|
| The Insured | Maximum Coverage Amount | Guarantee Issue | ||
| For You | Up to 5 times your basic annual earnings or $500,000, in increments of $1,000 | $150,000 | ||
| For Your Eligible Spouse/Domestic Partner | Up to $500,000 in $1,000 increments. May not exceed 100% of employee’s amount. |
$25,000 | ||
| For Your Eligible Children | Up to $10,000 in $1,000 increments for children age 6 months to 26 years. $1,000 for children age from birth to 6 months. | $10,000 | ||
The cost of voluntary life and AD&D insurance depends on the amount of coverage and ages of the employee and spouse.
| Employee (or spouse age) | Employee Rate Per Month |
Spouse Rate Per Month |
|---|---|---|
| Age | $10,000 Life and AD&D | $5,000 Life and AD&D |
| 15 - 24 | $0.70 | $0.29 |
| 25 - 29 | $0.80 | $0.33 |
| 30 - 34 | $0.99 | $0.42 |
| 35 - 39 | $1.40 | $0.61 |
| 40 - 44 | $2.00 | $0.87 |
| 45 - 49 | $3.20 | $1.36 |
| 50 - 54 | $5.08 | $2.12 |
| 55 - 59 | $7.82 | $3.24 |
| 60 - 64 | $12.19 | $5.54 |
| 65 - 69 | $21.17 | $9.47 |
| 70 - 74 | $37.77 | $16.87 |
| 75 + | $74.02 | $33.79 |
