• Teammates authorized to work 64 or more hours per pay period are eligible for Basic Term Life and AD&D insurance through The Hartford.
• Coverage is for 1 times your base annual salary rounded to the next higher $1,000, up to a maximum of $125,000, at no cost to you.
• This benefit can be converted within 31 days of termination of employment subject to the terms of the contract.
• The effective date of this benefit is 90 days from your date of hire or the date you become benefit-eligible due to a status change.
• If you are enrolled in the Basic Term Life Insurance plan, you will automatically be enrolled in Accidental Death & Dismemberment coverage through The Hartford at no additional cost to you.
• Your beneficiary will also receive an additional 10% of your AD&D benefit, up to a maximum of $12,500, if you are killed in an auto accident and the police report reveals you were wearing your seat belt at the time of the accident.
• The amount of your life insurance will be reduced by 35% on the date that you attain age 65 and 50% when you attain age 70.  The reduced amount of coverage will be rounded to the next higher multiple of $1,000.  An appropriate adjustment to your premium will also be made.  For more information, please refer to the plan document which can be found under the Resources – Plan Summary section of the website.

Your life insurance from The Hartford comes with additional services, which can help you and your family when you need them most.

• Funeral planning and concierge services
• Beneficiary Assist® counseling services
• EstateGuidance® will services
• Travel assistance
• Ability Assist® counseling services

Learn more about Basic Life benefits

Teammates authorized to work 64 or more hours per pay period may apply for an additional one to four times your base annual salary in life insurance by electing Supplemental Life Insurance coverage through The Hartford. In addition, you will receive a matching amount of Accidental Death & Dismemberment coverage.

• The maximum coverage allowed is $500,000 and the teammate pays the full cost.
• Rates are age banded and range from $0.030 to $1.766 per month per $1,000 of coverage.
• The guaranteed issue amount for those who are newly eligible is $500,000.
• Evidence of Insurability is required if you enroll outside your initial period of eligibility or if you are increasing your coverage.
• This coverage is portable within 31 days of termination of employment subject to the terms of the contract.
• The effective date of this benefit is either 90 days from your date of hire or the date you become benefit-eligible due to a status change.
• The amount of your life insurance will be reduced by 35% on the date that you attain age 65 and 50% when you attain age 70.  The reduced amount of coverage will be rounded to the next higher multiple of $1,000.  An appropriate adjustment to your premium will also be made.  For more information, please refer to the plan document which can be found under the Resources – Plan Summary section of the website.

The following age-banded rates will apply to your Supplemental Life Coverage in the new plan year:

• Teammates authorized to work 40 or more hours per pay period may apply for Universal Life coverage through Transamerica.
• The effective date of this benefit is either 90 days from your date of hire or the date you become benefit-eligible due to a status change.
• This benefit builds a cash value and has loan and withdrawal options.
• Coverage ends on the date of separation from RSFH, but can be continued at your current premium.

Details on Universal Life Insurance coverage from Transamerica.