Benefits Enrollment & Reference Guide - Harford County Public ...

Benefits Enrollment & Reference Guide - Harford County Public ...

Basic Life Insurance and Accidental Death and

Dismemberment (AD&D) Insurance

A group life and accidental death and dismemberment

insurance program is available to all benefit eligible

employees of Harford County Public Schools through

ReliaStar Life Insurance Company ING as a financial

resource to protect their families.

Basic Life and AD&D insurance allows an employee

to purchase a benefit equal to one times their annual

earnings (rounded up to the nearest $1,000), minimum

of $8,000 up to a maximum of $300,000. AD&D

provides financial protection for you and your family

against expenses associated with accidental death or

injury. A reduced benefit is payable should you become

dismembered as a result of an accident.

Supplemental Life Insurance

Supplemental Life Insurance allows you to purchase an

additional amount of life insurance on yourself equal

to 1x your salary (for a total of 2x salary, minimum

$16,000 up to a maximum of $300,000.


You will be eligible for coverage on the first day of the

month following your date of hire.

If you do not enroll within 31 days after becoming eligible

the following limitations will apply to a later enrollment:

1.You must submit Evidence of Insurability; and

2. You may not enroll until an Annual Open

Enrollment Period.

If you apply for coverage during an Annual Open Enrollment

Period the coverage will start the later of the date ReliaStar

Life/ING approves your Evidence of Insurability or July 1st

following the Annual Enrollment Period.

Cost of Coverage

The Board pays 90% of the cost of Basic Life & AD&D

Insurance. The employee is responsible for 100% of the

cost of Supplemental coverage. The current monthly

cost of Basic Life & AD & D is $0.22 cents per thousand

dollars of coverage. Supplemental is $0.24 per thousand

dollars of coverage.

The value of life insurance coverage in excess of

$50,000 is considered imputable taxable income which

is reported on your W-2 form at the end of the year.

Harford County Public Schools – Benefits Enrollment & Reference Guide 57

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