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Life Insurance
VOLUNTARY AD&D
Voluntary AD&D Insurance allows you to purchase additional accidental death and dismemberment insurance to
protect your family's financial security in case you suffer from loss of a limb, speech, sight or hearing or if you die
in an accident. The cost of coverage is paid in full by the Employee. Coverage is provided by Hartford Insurance
Group.
Employee Only Voluntary AD&D
Amount
Increments of $10,000 (minimum: $10,000) up to lesser of 10x covered
annual earnings or $500,000
Employee & Family Voluntary AD&D
Election
Spouse Amount:
50% of Employee amount if employee does not cover any children under AD&D
policy. 40% of employee amount if employee covers any children.
Child(ren) Amount:
15% of Employee amount is employee does not cover a spouse under AD&D
policy.
10% of employee amount if employee covers spouse.
Beneficiary Reminder:
You must select a primary and contingent beneficiary for your life insurance benefit. It is important to make
sure that your beneficiaries are up-to-date following marriage, divorce or birth of a child. Should you choose
to name a beneficiary other than your spouse, kindly make sure that he/she provides consent by affixing
his/her signature on Page 2 of the Hartford enrollment form.
The information in this booklet is a general outline of the benefits offered under College of Marin benefits program. This booklet may not include all relevant limitations and conditions.
Specific details and limitations are provided in the plan documents, which may include a Summary of Plan Description (SPD), Evidence of Coverage (EOC), and/or insurance policies. The
plan documents contain relevant plan provisions. If the information in this booklet differs from the plan documents, the plan documents will prevail.