Life Insurance Benefits . . .

The Health Trust offers several different life insurance plans to its member groups.

Links For More Information:

• Basic Life
• Supplemental Life
• Dependent Life

 

All of the Health Trust’s life insurance plans are administered by Prudential Life Insurance Company of America.

Please note: This is intended only as a summary of benefits. Please contact the Health Trust at 1-800-852-8300 for more information about any of the Health Trust plans.

 

 

 

 

Basic Life insurance is available either with the Health Trust health insurance, or as a stand-alone plan. Employees enrolled in a Health Trust health insurance plan receive a Basic Life insurance benefit equal to one times their annual salary, at no additional cost to either the employee or the employer. Eligible employees who are not enrolled in a Health Trust health insurance plan (for example, because they have coverage through a spouse’s health insurance plan) may choose to enroll in “Life No Med”, which is the Basic Life insurance benefit, for a nominal monthly premium. The Basic Life insurance plan includes an equal amount of Accidental Death & Dismemberment (AD&D) coverage.

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Supplemental Life insurance provides the eligible employee with a benefit equal to an additional one, two, or three times salary. Participants may purchase coverage equal to an additional one times salary without having to provide evidence of good health, provided they enroll when first eligible. Participants may elect to purchase supplemental coverage equal to two or three times salary; however, they will have to submit evidence of good health prior to being approved for such coverage. The Supplemental Life insurance plan includes an equal amount of Accidental Death & Dismemberment (AD&D) coverage.

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Dependent Life insurance is available to active employees whose employer has elected to offer such coverage. Participants may purchase coverage for their eligible dependents (legal spouse and/or children), whether or not the dependents are covered under a Health Trust health Plan. There are two Dependent Life insurance options available to employees whose employer offers this coverage.

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