Life Insurance and AD&D

COVID-19: Contacting the Benefits Department

In response to the COVID-19 pandemic, the Office of Human Resources is working remotely until further notice. During this time, Craig Hall is not open to the public; walk-ins will not be accepted and forms cannot be dropped off in-person or faxed. During this time, we recommend submitting all requests and inquiries online in lieu of sending physical mail or leaving phone messages.

If you have a Benefits-related inquiry, including the submission of forms or documentation, the quickest way to receive assistance is to submit an online request.

All information presented on this page, including links to plan documents and descriptions, is specific to the plan year of July 1, 2020 - June 30, 2021.

Life insurance and accidental death and dismemberment (AD&D) insurance help provide financial protection in the event of your death or that of a spouse/domestic partner or dependent. Through The Hartford (formerly, Aetna), the University provides basic term life and accidental death and dismemberment coverage at no cost to you. Optional life insurance, AD&D coverage, and dependent term life insurance may also be purchased at attractive group rates.

Please note: Effective August 1, Aetna's name will change to The Hartford. During this transition, your policy will remain in effect, and there will be no changes to your coverage or premiums. Like Aetna, The Hartford is widely recognized for its service excellence, sustainability practices, trust, and integrity.

Questions? Contact The Hartford or call 800-331-7234.

Basic Group Life and Accidental Death and Dismemberment (AD&D) Insurances

Pitt provides basic term life insurance and accidental death and dismemberment coverage (AD&D) equal to one times your salary up to $50,000.

Optional Coverage

Faculty and staff may purchase optional life insurance and AD&D coverage up to six times the base salary provided certain evidence of insurability requirements are met. Optional dependent life insurance is also available at attractive group rates.

Summary Guide:

  • Disclaimer: The scope and content reflect plan provisions. There is no intent to imply or confirm participation or amounts of insurance in effect for an individual who reads this communication.

Life Insurance Beneficiary Designations for The Hartford

Visit The Hartford's website to personally manage your beneficiary designations for Pitt group term coverage. The Beneficiary Designation form is available for download (via Pitt Passport).

Life Insurance Beneficiary Management

You must designate a beneficiary (or beneficiaries) at the time you enroll in any of the coverages. Basic coverage is provided by the University through The Hartford, and you may elect from optional programs of insurance sponsored by the University through The Hartford. You need to complete only one form for The Hartford.

Following initial enrollment, you may change a beneficiary designation at any time. Please check periodically to make sure your designation is current. To check or change your beneficiaries, call The Hartford at 855-396-7655.  This will help to ensure that any claim in the event of your death is fulfilled according to your wishes. Personal life events typically require a review and perhaps an update to your beneficiary designations. Personal life events include, but are not limited to:

  • Birth of a child
  • Marriage
  • Divorce
  • Death

The Hartford provides a wide range of "value added" services for University of Pittsburgh faculty, staff, and retirees.

Support Through All Stages Of Life

Discounts and Services included in The Hartford life insurance at no additional cost:

  While you're living
(caring for  yourself)
If you become ill
(caring support and resources)
After you're gone
(caring for your loved ones)
Financial Access to financial advice services Accelerated Death Benefit Financial Counseling
Legal Access to online legal services Access to in-person legal and estate planning Access to legal advice and estate planning
Emotional Access to funeral planning Access to end-of-life info Compassionate Care website and funeral planning Bereavement counseling and funeral planning
Physical Discount programs Care Advocacy  

Life Insurance Provisions for Loss of Coverage

This guide on portability and conversion will help you make the right choice for yourself and your family.

Plans Conversion Portability
Basic Life Yes Yes
Basic A&D Yes No
Optional Life Yes Yes
Optional A&D Yes No
Dependent Life Yes Yes 

If your employment ends, you can convert the full amount of coverage you had on the date your employment ended.

If your coverage is reduced due to retirement, you can convert the amount of coverage you are losing. (ex. $50,000 basic life - $15,000 retiree life = $35,000 to convert)

Customer Service for Conversion and Portability: Contact Conversion and Portability Customer Service at 1-800-882-8395 for information about the policy and procedures, as well as deadlines for making an election and premium payments.

Note: The application and payment of the first premium must be made within 31 days of the date the coverage ends through the University of Pittsburgh Group Policy.

*Note: For faculty on less than annual appointments, the amount for insurance benefits is automatically doubled January through April; the actual monthly amount is withheld September through December.

 

Please visit the Glossary of Terms page for commonly used medical terms and definitions.