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Employee Benefits
Voluntary Term Life

Basic Life Insurance| Voluntary Term Life Insurance | Accidental Death & Dismemberment (AD&D)

Eligibility for Voluntary Term Life Insurance is governed by your Memorandum of Understanding (MOU), Exempt Compensation Plan, salary ordinance, or contract (dependent coverage is not available). Once you have met the eligibility requirements, you may enroll initially within 31 days of becoming eligible, or you may wait and enroll during Open Enrollment.

Plan Options If you are eligible to participate in the plan, you may choose coverage in $10,000 increments, up to a maximum of $700,000. Coverage up to $250,000 is guaranteed and evidence of good health is not required. If you elect more than $250,000 coverage, you will be required to provide evidence of good health to the insurance company. Evidence of good health may include questionnaires, physical exams or written documentation required by the insurance company. If you have requested coverage above $250,000, your coverage date is subject to insurance company approval. If you are denied coverage above $250,000, your Voluntary Term Life will be limited to $250,000.

Beneficiary for Voluntary Term Life Insurance Insurance benefits will be automatically paid to your beneficiary in the following order: (1) surviving spouse, (2) surviving children, (3) your parents, (4) brothers and sisters, (5) estate. If more than one beneficiary becomes entitled to your benefits, they will share equally. To change the automatic beneficiary arrangement, you must complete the beneficiary designation form.

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Bi-weekly Cost Schedule

Your Age
Biweekly Premium Cost
Per $1000 Of Coverage*
Under 30
30 - 34
35 - 39
40 - 44
45 - 49
50 - 54
55 - 59
60 - 64
65 - 69

*Voluntary term life insurance coverage amount will be reduced on the date an employee reaches 70, 75, and 80. For employees who enroll and who have already reached age 70, the reduction becomes effective on the voluntary term life insurance effective date. Refer to the Certificate of Insurance for reduction amounts.

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How To Enroll
Enrolling is easy. Whether you are enrolling for the first time or making changes to existing coverage, you must fill out an enrollment form within 31 days of becoming eligible or during the annual open enrollment period and submit it to your Payroll Clerk.

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Special Disability Clause for Voluntary Term Life Insurance
If you are unable to engage in any occupation for profit or gain, as determined by the insurance company, you may apply for a waiver of premium without further premium payments provided the disability occurred while covered by the plan and before age 65.

The insurance company requires proof of disability within 12 months of the date total disability begins and once each year as long as the disability continues. The benefit amount continued is subject to reduction at age 70.

If you return to work for the County and want to continue coverage, you must contact your Payroll Clerk or Employee Benefits within 31 days of your return-to-work date. If your disability ends but you do not return to work for the County, you may convert the County's group plan under the same terms as a terminating County employee.

Termination of Coverage Your voluntary term life insurance coverage will terminate if:

  • You cancel your coverage
  • You cease to be an eligible employee
  • You fail to pay your required premiums when due
  • The master contract is terminated
  • You are on an approved leave of absence for more than 12 months

Conversion to an Individual Policy Once your group coverage has terminated, you may be eligible to convert your Voluntary Term Life coverage from the County's group policy to an individual policy. If your group life coverage ends, you have 31 days to convert to an individual policy with Hartford Life, without having to complete a Personal Health Statement to show proof of good health.

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How To Get In Touch With The Hartford
If you have any questions, please call Employee Benefits at (909) 387-5787, your Payroll Clerk, or The Hartford at 1-877-663-4278. You may also visit The Hartford's website at

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