Because life can suddenly take an unexpected turn, it’s good to know you’re covered if the worst occurs.  CHOC offers you coverage to meet your needs.

Life insurance summary
Life insurance employee information flyer
Life informational video
Life humor video
The Hartford additional services

Basic Life and AD&D Insurance

Company paid and coverage is automatic
Basic Life Insurance:  1 x Base Annual Salary up to a maximum of $50,000
Basic AD&D Insurance:  1 x Base Annual Salary up to a maximum of $50,000

Supplemental Life Insurance

You can choose to purchase additional life insurance for yourself, your spouse/domestic partner and your children.  Coverage is provided by The Hartford.  You pay the full cost of any supplemental life insurance coverage.  You must purchase coverage for yourself in order to purchase it for your dependents.

If you are purchasing coverage as a new hire, you may elect up to the Guaranteed Issue amount without being required to complete a personal health application.  For all other enrollment periods or when electing coverage over the Guaranteed Issue Amount, you must complete a health application and receive approval of the amount from The Hartford.  The health application will automatically be sent to you via email from The Hartford.

For Employee Supplemental Life Insurance, the Guaranteed Issue amount is $100,000.  For Spouse Life Insurance, the Guaranteed Issue amount is $50,000.  For Child Life Insurance, there is no Guaranteed Issue amount, but children can only be covered up to age 26, if not disabled, and children under the age of 14 days old are limited to a benefit payment of $1,000.

Coverage For	Coverage Options
You	Purchase coverage in increments of $10,000, not to exceed 5 times your base annual salary or $750,000, whichever is less. Coverage amounts decrease by 35% if age 70 or over and 50% if age 75 or over.
Your spouse / domestic partner	Purchase coverage in increments of $5,000 not to exceed $300,000. Coverage amounts decrease by 35% if age 70 or over and 50% if age 75 or over.
Your children	Purchase coverage in increments of $2,000 up to a maximum of $10,000.

For any amounts elected after initial new hire enrollment or above the Guarantee Issue Amount, you must complete an Evidence of Insurability (EOI) within 90 days of election.    Providing an EOI means that you must complete a health questionnaire and be approved by The Hartford before your coverage is effective.

Guarantee Issue Amounts
You	$100,000 up to age 69 $65,000 ages 70 – 74 $50,000 age 75 and over
Your spouse / domestic partner	$50,000 up to age 69 $32,500 ages 70 – 74 $25,000 age 75 and over
Your children	$1,000 for under age 14 days $10,000 age 14 days but under age 26