Employee Benefits

Group Life Insurance

Hartford Life Insurance Company

Purpose: To provide a basic death benefit to the beneficiaries of the employee/spouse/dependent.
Eligibility: Active full-time employee, spouse, or dependent as defined in the Health Care Assistance Policy.
Payment: Employer paid.
Benefit Provisions: Effective July 1, 2005      

Employee . . . . . . . . . $100,000
Spouse . . . . . . . . . . .  $50,000
Child . . . . . . . . . . . . . $10,000
Stillborn . . . . . . . . . . . . . $750

No enrollment necessary. Benefit is provided by your employer; you must complete a beneficiary designation form.

Group life forms and detailed information

Supplemental Life Insurance

Hartford Life Insurance Company

Purpose: A voluntary supplemental death benefit to the beneficiaries of the employee/spouse/dependent.
Eligibility: Employees of the North American Division, working a minimum of 20 hours per week.
Payment: Payroll deduction, after taxes.
Benefit Provisions: As requested by employee and approved by Hartford.

 

Employee: Not to exceed the lesser of 7 times annual earnings or $750,000.
Spouse: The lesser of 100 % of employee amount of $250,000.
Dependent Children: The lesser of 100 % of employee amount up to $25,000.

Accidental Death and Dismemberment

Hartford Life Insurance Company

Purpose: A voluntary benefit to the beneficiaries of the employee/spouse/dependents in the case of death or dismemberment specifically due to an accident.
Eligibility: All active North American Division employees working a minimum of 20 hours per week.
Payment: Payroll deduction, after taxes.
Benefit Provisions: As requested by employee and approved by Hartford.

Employee: Not to exceed the lesser of 10 times annual earnings or $500,000.
Spouse: The lesser of 100 % of employee amount of $500,000.
Dependent Children: $5,000 to $25,000 not to exceed 100 % of employee amount.

Long-term Disability

Hartford Life Insurance

Purpose: To provide income replacement for the employee in the case of a disability; also provide financial assistance in the case of a spouse disability.
Eligibility: All regular full-time employees of the North American Division, working a minimum of 35 hours per week..
Payment: Employer paid.
Benefit Provisions: Employee: After a 180-day elimination period a 66.7 % income replacement to a maximum of $6,000 per month. (Ability Plus can replace up to 80 % income.)

Spouse: After a 60-day elimination period a $1,500 monthly benefit for 24 months.
(An insured's payment may be reduced by deductible sources of income and disability earnings. Some disabilities may not be covered or may have limited coverage under this plan.)

(No enrollment necessary. This is a benefit provided by your employer.)

Supplemental Insurance

AFLAC

Purpose: A voluntary supplemental insurance in the areas of Personal Accident Coverage, Personal Hospital Intensive Care, and Personal Cancer Plan.
Eligibility: All regular full-time denominational employees.
Payment: Payroll deduction, after taxes.
Benefit Provisions: As determined by the employee with AFLAC representative.

Union College Employee Benefits Summary

For additional information on these benefits, as well as health care and retirement benefits, visit www.adventistrisk.org/employeebenefits/employeebenefits.html.

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