Cotality Benefits

US > Other > Life and AD&D

Life and AD&D Insurance
Life and Accidental Death and Dismemberment (AD&D) insurance provides financial protection to your survivors if you die. Review your options and your personal circumstances carefully before enrolling.

The company provides active, full-time employees with basic life and AD&D coverage of two times annual base salary (up to a maximum of $100,000). In addition to the basic coverage provided automatically by the company at no cost to you, you have the option of purchasing supplemental life and AD&D coverage for you and your family. You pay the full cost and premiums are taken out of your paycheck on an after-tax basis.

Summary of Life and AD&D Options

Plan	Coverage Options
Basic Life (automatic company-provided coverage)	2 x base salary, $100,000 maximum
Basic AD&D (automatic company-provided coverage)	2 x base salary, $100,000 maximum
Supplemental Employee Life	1-8 x base + variable salary, $2 million maximum
Supplemental Spouse Life	.5, 1 or 1.5 x base salary
Supplemental Child Life	$5,000 or $10,000 per child
Supplemental Employee AD&D	1-8 x base +variable salary, $2 million maximum
Supplemental Family AD&D	Spouse – 50% of employee amount Children – 10% of employee amount

Naming a Beneficiary
It’s important that you name a beneficiary for each of your life and AD&D coverages when you enroll. Be sure to periodically check your beneficiary designation to make sure it is up to date, especially after life events such as marriage, divorce or the birth of a child. You are automatically the beneficiary of your spouse and child life and AD&D coverages unless you actively make another election.

To name a beneficiary, visit the Cotality Benefits Center.

Line

The Hartford (Life and AD&D)
1-888-563-1124
M-F, 5 AM to 4 PM (PT)
The Hartford (Disability)
1-888-437-8464
https://abilityadvantage.thehartford.com/
M-F, 5 AM TO 5 PM (PT)

Line