Life, AD&D, and Disability Plans
For the Life Insurance / LTD Plan, a person is eligible for Employee coverage on the first day of employment.
TERM LIFE AND AD&D INSURANCE
As a part of the EPC benefits offerings, the EPC offers eligible employees a $50,000 Term Life Insurance policy (decreases after the age of 65). An Accidental Death and Dismemberment (AD&D) insurance policy is also included and is equal to the amount of the life insurance benefit.
TERM LIFE AND AD&D PLAN HANDBOOK
Click here to download the Term Life and AD&D Plan Handbook, provided by Hartford Life and Accident Insurance Company.
LONG - TERM DISABILITY (LTD) INSURANCE
The EPC offers eligible employees Long-Term Disability Insurance coverage as part of the EPC Benefits Program. This coverage provides 60 percent of qualified earnings (up to $4,000/month) after 90 days of total disability.
For those enrolled in LTD, Ability Assist Counseling Services are available at no additional cost. These services include emotional or work-life counseling; financial information and resources; and legal support and resources.
LONG-TERM DISABILITY PLAN HANDBOOK
Click here to download the Long-Term Disability Plan Handbook, provided by Hartford Life and Accident Insurance Company.
Click here to download the Maximum Benefit Amendatory Rider to the Long-Term Disability Plan for those full-time active employees who are EPC-ordained.
TERM LIFE, AD&D, AND LTD PARTICIPANT FORM
Click here for the Hartford Beneficiary Designation form, which designates your beneficiaries for your Hartford Life and AD&D policy.
The information you provide to us is important. Please print legibly or type directly on the editable pdf document. Please note that your Enrollment Form needs to have an authorized person's approval, if applicable. Please submit completed form to the mailing address, fax number, or email address on the form.
BENEFITS PREMIUM PAYMENT COUPON
Click here to download the payment coupon for Medical, Life Insurance, and Long-Term Disability insurance premiums.
BENEFITS TERMINATION REPORT
Click here to download the termination report, necessary to remove a participant from the EPC Benefits Plans.
ADDRESS AND/OR CONTACT INFORMATION UPDATE FORM
Click here to download the form required to make any changes to your address or other contact information that we have on file.
QUALIFYING LIFE EVENT/FAMILY CHANGES
A Qualified Life Event is a change in your family status or employment that affects your benefits eligibility. Examples include marriage; birth or adoption; divorce or separation; a dependent child aging out of benefits at age 26; gain or loss of a spouse’s health coverage; or a spouse’s employer offering benefits with a different Open Enrollment period.
If you experience a Qualified Life Event, you must notify the EPC Benefits Administration Office and request benefit changes within 30 days of the event. Click here to download the EPC Benefits Enrollment/Change Form.
Information provided in this web site does not constitute legally binding advice. EPC benefits are subject to the provisions of the Wrap, Medical Plan and Retirement Plan documents available on this web site or in print from EPC Benefits, P.O. Box 6412, Plymouth, MI 48170. For more information, contact EPC Benefits at (734) 838-6942 or fax (734) 742-2034.