2025 LIFE, AD&D, AND LTD INSURANCE
BRI offers Life, AD&D (Accidental Death & Dismemberment), and LTD (Long-Term Disability) insurance through The Hartford.
Life insurance coverage offers eligible employees a $50,000 Term Life Insurance policy (decreases after the age of 65). Should your death be due to an accident, your beneficiaries would receive an additional AD&D benefit equal to the amount of the life insurance benefit.
LTD insurance provides partial income replacement should you become disabled and unable to work. If you experience a disability that lasts 90 days or more, the LTD plan will replace 60% of your monthly pre-disability salary up to the plan maximum.
For more information on Life, AD&D, and LTD insurance through The Hartford, please refer to the documents below. Use these quicklinks to navigate to the appropriate section of this page:
Life/AD&D Insurance
LTD Insurance
LTD, Life, and AD&D Resources
LTD, Life, and AD&D Documents
For more 2025 Benefit Plans information, see the following pages:
Benefit Plans Information
2025 Medical Plans
2025 Prescription Drug Benefits
2025 Life and Disability Insurance
2025 Dental Plans
2025 Vision Plan
Other 2025 Benefit Programs
Retirement Plan
Church Administrator Resources
2025 Premium Rates
Newsletters
2024 Benefits Information
LIFE AND AD&D INSURANCE
Life Insurance helps you protect your family financially by paying a cash sum if you die while covered by the policy. Life insurance provides money to those who depend on your paycheck to cover expenses such as:
• Funeral expenses and medical bills
• Monthly living expense bills, such as rent or mortgage payments
• Debt, including credit card bills and other loans
• A child’s college tuition
If your employment ends, you can convert your coverage to an individual policy with The Hartford to continue your coverage.
The Life and AD&D Insurance Plan goes beyond the benefit with built-in value-added services to support an employee’s or dependents at no extra cost to the employee.
• Funeral Planning and Concierge Services—a suite of online tools to guide employees through key decisions before a loss, including help comparing funeral-related costs. After a loss, this service includes family advocacy and professional negotiation of funeral prices.
• Hartford Life Essentials Beneficiary Assist—offers compassionate expertise to help employees or beneficiaries cope with emotional, financial, and legal issues that arise after a loss.
• EstateGuidance Will Services—help protect a family’s future by creating a will online that is backed by online support from licensed attorneys.
• Travel Assistance and ID Theft Protection and Assistance Services—includes pre-trip information and access to medical professionals around the world, as well as identity theft protection 24/7 through educational materials to help prevent identity theft, and access to caseworkers who can help resolve problems if you are a victim of identity theft.
LONG-TERM DISABILITY INSURANCE
When employees are unable to work because of a disabling injury or illness, LTD Insurance helps by replacing part of their income. LTD coverage helps ensure that employees will still receive a portion of their income when they are absent from work for an extended period due to a covered disability. These absences may be a result of accidents, injuries, or illnesses that happen on or off the job. This is an important coverage for employees, because their savings might not be enough if an illness or injury keeps them out of work beyond their paid sick days. Additionally, LTD insurance can help employees pay the bills when they cannot work due to a covered claim.
The Plan goes beyond the benefit with built-in, value-added services to support an employee’s recovery—at no extra cost to the employee.
• AbilityAssist—Confidential support for emotional, legal, and financial issues.
• HealthChampion—Unlimited access to benefit specialists and nurses to address medical care and claims concerns.
• Return-to-Work Coordinators—Access to clinically trained, legally knowledgeable specialists in the clinical field.
• Travel Assistance and ID Theft Protection Services.
LIFE, AD&D, AND LTD RESOURCES
BASIC LIFE AND AD&D PLAN BENEFITS
Premium Rates Calculator
Premium rate calculators for the 2025 Medical, Dental, Vision, Life and AD&D, and Long-Term Disability (LTD) plans
The Hartford
Answers to your questions about the LTD, Life, and AD&D Plan
Ability Assist
Counseling services that include up to three face-to-face sessions per occurrence, per year
Beneficiary Assist
Counseling services offering legal advice, financial planning, and emotional counseling
Estate Guidance
Will services that help you create a legally binding will, including unlimited revisions
Health Champion
Health care support services, offering specialists on all aspects of health care issues
Travel Assistance and ID Theft Protection
Local presence in 200 countries, with numerous 24/7 assistance centers
Notice of Conversion and/or Portability Rights
Information for terminated employees who wish to convert the Group Life Plan to an individual policy
Portability and Conversion Comparison Guide
Information for terminated employees who wish to convert the Group Life Plan to an individual policy
LIFE, AD&D, AND LTD DOCUMENTS
Group Life Claim Form
for Accidental Dismemberment
and/or Loss of Sight
This is a fillable PDF form. Download to your computer before completing.
Group Life and/or ADD Claim Form
for Employee or Dependent
This is a fillable PDF form. Download to your computer before completing.
LTD PLAN BENEFITS
LTD Plan Highlights
Full-Time, Hourly, and Salaried Staff
Who work a minimum of 30 hours per week on a regularly scheduled basis.
LTD Plan Highlights
Management and Ordained Staff
Who work a minimum of 30 hours per week on a regularly scheduled basis.
LTD Plan Highlights
Full-Time Staff
Earning Above $80,000 Annually
Who work a minimum of 30 hours per week on a regularly scheduled basis.
LTD Plan Handbook
For full-time employees who work a minimum of 30 hours per week on a regularly scheduled basis.
LTD Plan Maximum Benefit Rider
For Full-Time Staff earning above $80,000 annually, who work a minimum of 30 hours per week on a regularly scheduled basis.
Information provided in this web site does not constitute legally binding advice. EPC benefits are subject to the provisions of the Medical Plan and Retirement Plan documents available on this web site or in print from EPC Benefit Resources, Inc. (BRI), 5850 T.G. Lee Blvd., Suite 510, Orlando FL 32822. For more information, contact BRI at benefits@epc.org or 407-930-4492 (voice and fax).
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