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What is supplemental term life insurance

what is supplemental term life insurance

Supplemental Term Life Insurance:

CMS employees have the option to purchase supplemental term life insurance up to 5 times their annual salary.   Newly eligible participants may purchase the Guaranteed Issue Amount of 3x their basic annual earnings without being denied.  Employees may purchase an amount between $10,000 and $ 1,000,000, in increments of $10,000, not to exceed 5 x their basic annual earnings, by providing Evidence of Insurability.

While the benefit payable under your Basic Term Life Insurance provides important protection, it may not adequately replace the loss of your income to your family. That is why you may want to consider supplemental life insurance. You have the option to purchase supplemental term life insurance for yourself. Your insurance becomes effective on the first day of the month following:

  • the first date of eligibility (or usually your date of hire)
  • the date The Hartford approves proof of your good health
  • the date the first full premium is paid

 You will be required to provide Evidence of Insurability (EOI), if:

  • you enroll more than 30 days after you become initially eligible
  • you request an increase in coverage
  • you re-enter the plan

The cost for obtaining medical information, such as medical records, laboratory tests or physical examination will be your responsibility.

Dependent Term Life Insurance:

You may also purchase dependent term insurance for y our spouse and children only if you purchase supplemental coverage for yourself.   

Spouse Coverage

This feature of The Hartford plan allows your legal spouse and unmarried children

to be insured at affordable group rates. You may purchase up to $100,000 in coverage on your spouse (up to 50% of the employee's supplemental election) . A divorced spouse is ineligible for coverage.

Each child 14 days to age 19, or 25 if a full-time student, can be insured for $10,000. You pay one rate regardless of how many children you have. Disabled children can continue to be covered, if eligible, with no age limit. Examples of ineligible status are attainment of maturity, marriage or graduation of high school or college.

If you enroll a dependent for coverage within 31 days from the time that dependent becomes initially eligible, the insurance becomes effective on the first day of the month following the date of your dependent's eligibility, provided he or she is able to perform normal daily activities.  If you enroll your dependent after 31 days from the date he or she is eligible, the insurance becomes effective on the date The Hartford approves proof of your dependent's good health.

Note : It is your responsibility to notify the Benefits Office of a change in your dependent's (spouse and/or child) eligibility. This ensures that any adjustments in premium deductions are made in a timely manner.

Employees  must be actively at work during the enrollment period to participate.  To see what your cost would be, please see the The Hartford Age Based Rate Table.pdf   or log into Lawson Self-Service.


If you remain actively employed beyond age 70, the combined amount of your basic and optional life coverage will reduce according to the table.

Category: Insurance

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