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Basic Life Insurance


Group Policy Number: 724328
Phone number: 1-877-238-6200
Aetna Website:

The University provides all regular full-time faculty and staff with a group term life insurance benefit valued at two times annual base/contracted salary, to a maximum of $400,000. This policy includes a double indemnity benefit in the event of accidental dismemberment and/or death (AD&D).

Additional AD&D features include:

  • Passenger restraint and airbag benefit ($10,000/$5,000 respectively)
  • Education benefit for spouse and/or child - 5 percent to $5,000 for four years
  • Child care benefit - 3 percent to $2,000 for four years
  • Repatriation of remains - $5,000
  • Coma benefit
  • Total disability coverage
  • 365-day coverage

Basic life insurance coverage is paid by the University at 100 percent.
Coverage is effective on the first day of the month following an employee's date of hire and enrollment in this benefit is automatic. A designation of beneficiary form must be completed and returned to HRD.

Age Reduction
At age 70, the amount of insurance is reduced by 50 percent.

Conversion or Portability
All life insurance policies are term insurance and are discontinued upon separation of employment. Portability or conversion options may be available. Refer to the plan document for details.

Imputed Income Tax
Premiums paid by the University for an employee's term life insurance exceeding $50,000 is included as part of gross income for tax purposes. The amount calculated is based on IRS guidelines. Please contact Payroll at 1.860.768.4579 for questions on imputed income.

Questions regarding this policy should be directed to your designated HR representative.

For further information regarding plan documents please visit the forms page.

This page is designed to summarize the University of Hartford's basic life insurance benefit. It is not intended to be all inclusive. Where there are differences between the provisions of this website and more specific statements contained in University files (such as plan documents), those statements shall control.