Group Life Portability - The Hartford

1 2459 (01/08) Printed in 2008 The Hartford , Hartford , CT 06115 The Hartford s Group Benefits Division is proud to print on Forest StewardshipCouncil certified paper. FSC certification ensures that the paper we print oncontains fiber from well-managed and responsibly harvested forests that meetstrict environmental and socioeconomic no. SW-COC-15161 The Hartford is The Hartford Financial ServicesGroup, Inc. and its subsidiaries, including issuingcompanies Hartford life Insurance Company andHartford life and Accident Insurance sold in New York are underwritten by Hartford life Insurance Company. Home office ofboth companies is Simsbury, Ct. All benefits aresubject to the terms and conditions of the underwritten by the issuing companieslisted above detail exclusions, limitations, reductionof benefits and terms under which the policiesmay be continued in force or life PortabilityYour life Is Changing, But Your Coverage Doesn t Have ToGroup Benefits from The HartfordIf your life plan contains a Portability provision forspouse and dependent(s),you may also be able toelect Portability coveragefor them, as long as they reinsured under your currentgroup life coverage and not entering active military service.

2 65092 Slimjim:65092 Slimjim 1/31/08 1:20 PM Page 1 Note:As an alternative to choosing the Portability option,you may also be able to convert your Group life coverage to an individual policy through The Hartford s Group LifeConversion Privilege. If your Group life plan includes spousecoverage, your spouse may also convert coverage. The amount you and your spouse can convert depends on the reason your coverage is Group life plans offer the Portability option, Portability coverage is available to employees when their employment terminates as long as they are not entering active military service, the policy remains in force and they have not reached retirement age, as defined in the most recent amendments to the Social Security Act (age 65 or later, based on a graded scale).

3 Check with youremployer regarding which specific Group life coveragethat includes the Portability your life plan contains a Portability provision forspouse and dependent(s), you may also be able to elect Portability coverage for them, as long asthey re insured under your current Group life coverageand not entering active military service. Spouse coverage and dependent child coverage are subject to maximums of $50,000 and $10,000, don t have to elect to continue coverage underthe provision in order for your spouse to do so. However, you or your spouse must elect Portabilitycoverage to continue coverage for your dependentchild(ren).Term of CoverageYou and your spouse can continue Portability coverage until age 75, provided your premiums arepaid.

4 At age 75, you and your spouse can convertthis coverage to individual life insurance policies. Dependent child coverage can be continued underthe Portability provision until age 19 (age 25 if thechild is a full-time student).Note: Portability coverage will terminate if you or your dependents enter active, full-time military duty, except for training for a period of two months or More InformationAs you can see, The Hartford s Portability coveragemakes sense. Don t leave yourself and your more information, please contact your Benefitsor Human Resources brochure explains the general purposes of the insurance described, but in no way changes oraffects the policy as actually issued.

5 In the event ofany discrepancy between this brochure and the policy, the terms of the policy apply:Underwriting Companies: Hartford life Insurance CompanyHartford life and Accident Insurance Company200 Hopmeadow StreetSimsbury, Ct 06070 Mailing Box 2999 Hartford , CT 06104-2999 Visit The Hartford on the Internet: need to know that you can take yourcoverage with you, assuring your family willbe protected regardless of your employmentstatus. Now, thanks to Group life Portability coverage from The Hartford1, you can get that It WorksThe Portability option allows terminating employees to continue their life insurance coverage under a separate Group policy. This means you can take yourcoverage with you at a reasonable Group rate whenyou leave your may elect Portability coverage equal to 100%,75%, or 50% of your life insurance amount being terminated, subject to a maximum of $250,000.

6 Theamount you choose will be reduced by 75% (to 25% of the original amount) at age 65, but willnever be less than $5, must elect Portability coverage within 31 days ofthe termination of your Group life coverage. You ll thenreceive a new Group life insurance certificate explainingyour benefit provisions, which will be similar, althoughnot necessarily identical, to your active life bills for Portability coverage will be sent toyour home Benefits from The HartfordYour life Is Changing, But Your Coverage Doesn t Have ToIf you change jobs or terminate your employment, the last thing you should have to worry about is yourgroup life insurance coverage. YGroup Benefits from The HartfordGroup Benefits from The Hartford65092 Slimjim:65092 Slimjim 1/31/08 1:21 PM Page 2 Note:As an alternative to choosing the Portability option,you may also be able to convert your Group life coverage to an individual policy through The Hartford s Group LifeConversion Privilege.

7 If your Group life plan includes spousecoverage, your spouse may also convert coverage. The amount you and your spouse can convert depends on the reason your coverage is Group life plans offer the Portability option, Portability coverage is available to employees when their employment terminates as long as they are not entering active military service, the policy remains in force and they have not reached retirement age, as defined in the most recent amendments to the Social Security Act (age 65 or later, based on a graded scale). Check with youremployer regarding which specific Group life coveragethat includes the Portability your life plan contains a Portability provision forspouse and dependent(s), you may also be able to elect Portability coverage for them, as long asthey re insured under your current Group life coverageand not entering active military service.

8 Spouse coverage and dependent child coverage are subject to maximums of $50,000 and $10,000, don t have to elect to continue coverage underthe provision in order for your spouse to do so. However, you or your spouse must elect Portabilitycoverage to continue coverage for your dependentchild(ren).Term of CoverageYou and your spouse can continue Portability coverage until age 75, provided your premiums arepaid. At age 75, you and your spouse can convertthis coverage to individual life insurance policies. Dependent child coverage can be continued underthe Portability provision until age 19 (age 25 if thechild is a full-time student).Note: Portability coverage will terminate if you or your dependents enter active, full-time military duty, except for training for a period of two months or More InformationAs you can see, The Hartford s Portability coveragemakes sense.

9 Don t leave yourself and your more information, please contact your Benefitsor Human Resources brochure explains the general purposes of the insurance described, but in no way changes oraffects the policy as actually issued. In the event ofany discrepancy between this brochure and the policy, the terms of the policy apply:Underwriting Companies: Hartford life Insurance CompanyHartford life and Accident Insurance Company200 Hopmeadow StreetSimsbury, Ct 06070 Mailing Box 2999 Hartford , CT 06104-2999 Visit The Hartford on the Internet: need to know that you can take yourcoverage with you, assuring your family willbe protected regardless of your employmentstatus. Now, thanks to Group life Portability coverage from The Hartford1, you can get that It WorksThe Portability option allows terminating employees to continue their life insurance coverage under a separate Group policy.

10 This means you can take yourcoverage with you at a reasonable Group rate whenyou leave your may elect Portability coverage equal to 100%,75%, or 50% of your life insurance amount being terminated, subject to a maximum of $250,000. Theamount you choose will be reduced by 75% (to 25% of the original amount) at age 65, but willnever be less than $5, must elect Portability coverage within 31 days ofthe termination of your Group life coverage. You ll thenreceive a new Group life insurance certificate explainingyour benefit provisions, which will be similar, althoughnot necessarily identical, to your active life bills for Portability coverage will be sent toyour home Benefits from The HartfordYour life Is Changing, But Your Coverage Doesn t Have ToIf you change jobs or terminate your employment, the last thing you should have to worry about is yourgroup life insurance coverage.