Survivor Benefits

HCSS provides basic life and AD&D coverage and offers voluntary life and AD&D.

Feature	Detail
Paid By	Employer
Eligibility	eligible full-time employees
Benefit Amount	$100,000 of basic life and $100,000 of accidental death and dismemberment (AD&D) benefit coverage
Maximum Benefit	$100,000

Paid By

Eligibility

Benefit Amount

Detail: $100,000 of basic life and $100,000 of accidental death and dismemberment (AD&D) benefit coverage

Maximum Benefit

Feature	Detail
Carrier	New York Life
Paid By	Employee
Eligibility	you, your spouse, and your children
Maximum Benefit	Employee: 5 x Annual Salary, up to $500K
Guaranteed Issue Amount	Employee: 2 x Annual Salary, up to $250K
Evidence Of Insurability Threshold	Any amount over the guaranteed issue amount is subject to the EOI process.
Age Reduction Schedule	Employee coverage reduces at age 70 to 67% and then to 50% at age 75. Spouse coverage ends at age 70.
Notes	You pay the full cost; premiums are based on age and elected coverage.

Carrier

Paid By

Eligibility

Maximum Benefit

Guaranteed Issue Amount

Evidence Of Insurability Threshold

Detail: Any amount over the guaranteed issue amount is subject to the EOI process.

Age Reduction Schedule

Detail: Employee coverage reduces at age 70 to 67% and then to 50% at age 75. Spouse coverage ends at age 70.

Notes

Detail: You pay the full cost; premiums are based on age and elected coverage.

Benefit	Minimum	Guarantee Issue	Maximum
Employee	$10,000	2 x Annual Salary, up to $250K	5 x Annual Salary, up to $500K
Spouse	$5,000	50% of employee's benefit up to $30K	50% of employee's benefit up to $30K
Childern - (14 days to 6 months)	$500	$500	$500
Children - (6 months to age 26)	$10,000	$10,000	$10,000

Employee

Spouse

Childern - (14 days to 6 months)

Children - (6 months to age 26)