To help protect the financial wellbeing of your loved ones, Lurie Children’s provides basic life insurance for employees — at no cost to you — along with the opportunity to purchase supplemental coverage and accidental death and dismemberment (AD&D) insurance. You also receive short-term disability by the hospital at no cost, along with long-term disability, if you have completed one year of benefits eligible service.
It’s important to designate a beneficiary to receive the benefit paid by a life insurance policy. As personal circumstances change, take the time to keep that information up to date. Visit your Benefits' portal to add or change a beneficiary.
Lurie Children’s provides basic life insurance to assist you and your family in the event of a death or dismemberment. These benefits are fully paid by the company and coverage is automatic — you do not need to enroll.
Visit The Hartford or call 860.547.5000 for more information.
Life Premiums | Coverage Amount |
---|---|
Employee Additional Life Insurance | 1x, 2x or 3x your annual earnings |
Spouse Life Insurance | $5,000 |
$10,000 | |
$25,000 | |
Child Life Insurance (Live Birth to Age 26) |
$2,500 |
$5,000 | |
$10,000 | |
*Your individual coverage amount and cost will be reflected in the Benefits' portal |
If you want more financial protection beyond the basic coverage that Lurie Children’s provides, you can purchase supplemental life insurance for yourself and your family members. You pay the full cost of this coverage, which is provided through The Hartford.
Additional life insurance coverage:
As a newly eligible employee, you can enroll for employee life insurance up to $300,000 without proof of your health status. If you elect coverage over $300,000, you will be prompted to complete a personal health application (PHA). PHA may be required if you choose to increase your employee or spouse coverage at a later date. If your election requires PHA, the Benefits' portal will open a link to The Hartford website for you or your spouse to complete an online PHA. You will be notified if your PHA is not approved.
Accidental Death & Dismemberment (AD&D) insurance provides coverage if you were to die or lose the use of a limb in an accident. You can choose coverage for yourself and your family members. If you elect coverage, be sure to set up your beneficiary information. Visit The Hartford website or call 860.547.5000 for more information or to add or change a beneficiary.
Should you lose your life, sight, hearing, speech, or use of your limb(s) in an accident, AD&D insurance provides additional benefits to help keep your family financially secure. AD&D benefits are paid as a percentage of your coverage amount — from 50% to 100% — depending on the type of loss.
AD&D Premiums (26 Times Per Year) |
Employee Only | Employee + Child(ren) | Employee + Spouse | Employee + Family |
---|---|---|---|---|
$50,000 | $0.32 | $0.44 | $0.48 | $0.53 |
$100,000 | $0.65 | $0.88 | $0.97 | $1.06 |
$150,000 | $0.97 | $1.32 | $1.45 | $1.59 |
$200,000 | $1.29 | $1.75 | $1.94 | $2.12 |
$250,000 | $1.62 | $2.19 | $2.42 | $2.65 |
Short-Term Disability (STD) provides you with pay in the event you are unable to work due to illness or a non-work related accident. You are eligible for STD coverage when you reach six months of service.
See Leave of Absence Request Details to review how to request a new leave of absence or report an intermittent FML absence on an approved leave.
Long-Term Disability (LTD) provides coverage to ensure that at least a part of your income continues until you can return to work due to an illness or a non-work related accident. You are eligible for LTD after completing one year of benefits eligible service.