Life Insurance
Hood College provides basic term life insurance to eligible employees. This insurance policy provides coverage for life and accidental death and dismemberment and is provided at no cost to the employee.
- Eligibility: employees must be .5 full time equivalency or greater to be eligible for this plan.
- The college provides 1x your annual earnings to a maximum of $125,000 in Basic Life and AD&D insurance.
- Offered through Unum at no cost to you
- Basic Life/AD&D Summary
- Eligibility: employees must be .5 full time equivalency or greater to be eligible for this plan.
- Eligible employees can also elect to purchase voluntary coverage in increments of $10,000 up to a maximum of $500,000
- Premiums for this coverage are based on your elected coverage amount and a rate/1,000 based on your age.
- Employees who elect voluntary coverage for themselves can also purchase dependent life/ad&d insurance for their dependent spouse/dependent child(ren).
- Plan Highlights
- Dependent Life Options (AD&D coverage will match the Life benefit):
- Spouse Life Insurance: $5,000 or $500,000 in increments of $5,000
- Child Life Insurance: $2,000 to $10,000 in increments of $2,000
- Guaranteed Issue (GI):
- Employee: $200,000
- Spouse: $25,000
- Child: All child amounts are guaranteed issue
- For amounts over GI, use this checklist to prepare
- Complete your Evidence of Insurability (EOI) questions, click .
- Use Access code: 4CMNZ8B
- Reach out to the benefits manager with questions
- , Access code: 4CMNZ8B
- Designate your Beneficiary
- Financial & Legal support for employees, spouses and beneficiaries who need help during a terminal illness or after the loss of a covered employee.
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