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2021 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
Voluntary Additional Life and Accident Insurance

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

Calculators and charts provide the monthly premium rates for each of our 2021 EPC Benefit 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

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.

VOLUNTARY ADDITIONAL LIFE AND ACCIDENT INSURANCE

Churches interested in acquiring additional Life, Accident, and/or Short-Term Disability Insurance for their employees can set up a policy directly with Colonial Life. These benefits are contracted directly with Colonial Life, therefore churches are not restricted to the Open Enrollment time limitations for enrollment.

These voluntary benefits are available to EPC employees working 20 hours or more per week.

For more information on these benefits offered through Colonial Life, refer to the Colonial Life Voluntary Insurance Options summary below or contact Melissa Koll at 970-262-0282 or Melissa.Koll@coloniallifesales.com.

You can now schedule a 30-minute phone appointment to discuss these options with Melissa Koll. Click here for availability; she will call you at the designated time.

Colonial Life Voluntary Insurance Options

Additional Life, Accident, and Short-Term Disability insurance options

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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