Life and AD&D Insurance: Protect Those Who Depend On You
At no cost to you, The Hartford provides Basic Life and Basic Accidental Death & Dismemberment (AD&D) insurance equal to two times your annual salary 1 with a minimum of benefit of $50,000 up to a maximum of $1,000,000. You can find more details in the Summary Plan Descriptions and Highlights located on Fidelity NetBenefits.
You can also purchase Optional Life and/or Optional AD&D coverage to meet your unique needs. The table below can help you understand your options.
1 Measured as of August 1. If your compensation changes, it will not be reflected until the next August 1.
Learn More About Your Coverage Options
With our enhanced MyTomorrow interactive tool, answer a few quick questions to receive a personalized video message to help you understand your Life insurance options.
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| Type of Coverage | How It Works / Amount of Coverage |
| Optional Life Insurance 2 | Helps you and your family members take care of burial and other funeral expenses, replace lost income, and pay off the mortgage. You can purchase optional coverage in the following amounts: For you: One to eight times your eligible pay, up to $2,000,000 For your spouse or domestic partner: $10,000, $25,000, $50,000, $100,000, $200,000 or $250,000 For your child or children: $5,000, $10,000 or $15,000 per child Optional Life Highlights Sheet |
| Accidental Death and Dismemberment (AD&D) 2 | Pays a lump sum benefit if you lose your life, a limb, sight, hearing and/or ability to speak in a covered accident. AD&D provides a death benefit over and above your Life insurance benefit, should a covered person die as a result of an accident. You can choose to buy optional AD&D Insurance in the amount of one to eight times your eligible pay, up to $2,000,000. Optional AD&D Highlights Sheet |
| 2You may be required to provide Evidence of Insurability (EOI) to increase your coverage more than one coverage level, or if you elect coverage that exceeds the guaranteed issue amount. |
The Hartford Empathy Benefits offers a suite of services to help protect and prepare you for life.
- Identity Theft protection – learn how to protect yourself and get 24/7 access to caseworkers who can help you resolve problems.
- Travel Assistance – get access to pre-trip information and medical assistance across the globe when unexpected detours arise.
- Compassionate Services – a suite of services that assists you with Will Preparation and Funeral Planning. After a loss, get help with Estate Administration, Grief Counselling and Social Media Account Deactivation.