Life, Supplemental, Auto & Home Insurance

The following provides information on the various Insurance benefits offered to UConn employees by the State and the University. Each type of Insurance section outlines the overall availability and also provides bargaining-unit-specific details, when applicable.

 

Eligibility for Insurance, by Audience

Audience Basic Group Life Insurance
"Supplemental" Basic Group Life Insurance
Universal Life Insurance
Voluntary Life Insurance
Short-Term Disability Insurance
Long-Term Disability Insurance 1
Long-Term Care Insurance
Home/Auto Insurance
Management / Confidential Yes Yes Yes Yes Yes Yes Yes Yes
UCPEA Yes Yes Yes Yes Yes Yes Yes Yes
AAUP Yes Yes Yes Yes Yes Yes Yes Yes
Law School Faculty Yes Yes Yes Yes Yes Yes Yes Yes
Adjunct Faculty No No No No No No No No
Post-Docs Yes Yes Yes Yes Yes Yes Yes Yes
NP-2 Yes No Yes Yes Yes Yes Yes Yes
NP-3 Yes No Yes Yes Yes Yes Yes Yes
NP-5 Yes No Yes Yes Yes Yes Yes Yes
Graduate Assistants / Interns / Fellows No No No No No No No No
Special Payroll No No No No No No No No
1 Employees who elect the Alternate Retirement Plan (ARP) are automatically covered for Long Term Disability Insurance through Prudential.

 

Life insurance provides a payment to your beneficiary upon your death. The state offers two group life insurance plans, a basic plan and supplemental or “extended” plan.

Description of Plan
The State of Connecticut offers basic and supplemental group life insurance. For the basic plan, the employee and the state share the cost. The employee’s premium share is made via payroll deduction. The benefits of the basic life insurance plan are based on your annual salary.

Employees who enroll in the basic plan are also eligible to participate in a supplemental life insurance plan, which provides benefits over and above what is available through the basic plan. The cost of the supplemental life insurance plan is paid entirely by the employee via payroll deduction. The supplemental Group Life Insurance plan requires enrollment in the basic plan; additional supplemental life insurance options are available (see Universal Life Insurance and Voluntary Life Insurance).

For more information on the basic and supplemental Group Life Insurance plans, visit:https://www.osc.ct.gov/empret/grouplife/contents.htm.
Eligibility
Permanent employees, whether classified or unclassified, full- or part-time, may enroll in the basic life insurance plan upon completion of six months of continuous service.

Employees not meeting the definition of Section 5-196(2) of the General Statutes of Connecticut, such as seasonal, temporary, intermittent, or contractual employees are ineligible for Group Life Insurance. Provisional employees may be eligible, as provided by collective bargaining agreements.

Eligibility to participate in the supplement life insurance requires participation in the basic life insurance plan and either:

1. Coverage under a collective bargaining agreement that allows for supplemental life insurance coverage; or
2. A yearly gross compensation of $45,000 or more as an employee exempt from collective bargaining.

Enrollment
Contact Human Resources to enroll in the Group Life Insurance plan. If employees waive participation, or fail to enroll within 31 days of hire, in the Group Life Insurance Plan when first eligible and later choose to enroll in the program, employees will be subject to evidence of insurability guidelines.
UNIVERSAL LIFE INSURANCE
Universal Life Insurance is a form of life insurance which combines a death benefit with a tax deferred cash value accumulation. A universal life insurance policy is payable until the maturity date stipulated in the individual policy, at or following age 95 or upon surrender/cancellation of the policy.
 
VOYA’s Premier Universal Life Insurance policy offers you tax-deferred cash value accumulation while providing a variety of options to keep your family covered.

Eligibility
Available to employees working 17.5 or more hours per week, spouses, children and dependent grandchildren.

Guaranteed Coverage
Employees between age 15 and 65 are offered guaranteed issue underwriting up to three times their annual salary to a maximum of $150,000. Employees between the ages 66 and 70 are subject to contingent issue underwriting, requiring two qualifying medical questions be answered.

How to Enroll
Contact a Voya Universal Life Insurance representative at 888-909-4274 or email services@ibsbeneflex.com to obtain more information.

VOLUNTARY LIFE INSURANCE
Voluntary Life Insurance provides coverage up to $500,000 for active employees and retirees. Premium rates vary, based on the coverage elected and age group in which the covered individual is positioned. If the insured passes away during the policy term, the death benefit is payable to the designated beneficiary.

Eligibility
You are eligible for Voluntary Life Insurance if you work at least 17.5 hours per week and are enrolled for Basic Group Life Insurance.

Guaranteed Coverage
New employees, under age 60, who enroll within the first 6 months of employment can obtain guaranteed coverage up to $100,000 and up to $30,000 for their spouse. Employees enrolling after this initial period are subject to evidence of insurability requirements.

How to Enroll
Contact a Dearborn National representative at 866-858-1171.

SHORT-TERM DISABILITY INSURANCE
Short-term disability insurance replaces a portion of income when you are unable to work due to a covered injury or illness. For more information about short-term disability options, contact the carriers listed below.
 
COLONIAL
Eligibility
Employees are eligible to enroll on their first day employment, provided they work at least 17.5 hours per week and meet the issue-age requirements of 17-69 years of age.

Guaranteed Coverage
New employees who enroll during the first 90 days of employment can obtain guaranteed coverage for up to 66 2/3% of income to a maximum of $3,000 monthly benefits.

How to Enroll
Call 1-800-884-0689 or email ColonialHR@Colcapitol.com.

On the Web
http://visityouville.com/StateofCT
 
LINCOLN NATIONAL

Eligibility
Employees are eligible to enroll on their first day of employment, provided they work at least 17.5 hours per week.

Coverage
Employees can obtain guaranteed coverage (no health questions asked) up to $1,250 per week, not to exceed 70% of the basic weekly gross income. The weekly short-term disability benefit will be the amount selected upon enrollment.

How to Enroll
Call 1-866-858-1171.
 
LONG-TERM DISABILITY INSURANCE
Long-term disability insurance replaces a portion of income when you are unable to work due to a covered injury or illness. For more information about long-term disability insurance, contact The Hartford, as indicated below.

Eligibility
Employees working at least 17.5 hours per week are eligible to enroll for coverage on their first day of employment.

Guaranteed Coverage
New employees who enroll during the first 31 days of employment can obtain guaranteed coverage. If you waive participation and choose to enroll after the 31-day period, you will be subject to evidence of insurability.

This coverage may be of interest to members of Tier II, Tier IIA, and those on the Hybrid Plan of the State Employee Retirement System, as they are ineligible for non-service related disability retirement benefits before completing 10 years of vesting service.

Employees who elect the Alternate Retirement Plan (ARP) are automatically covered for Long Term Disability Insurance through Prudential.

Long-Term Disability coverage delivers a percentage of your income each month for as long as you remain disabled, or until you reach Social Security Full Retirement Age, whichever comes sooner. If your disability occurs at age 63 or later, your payments may be reduced. Benefits from this plan are tax free. Premium payments can be made via payroll deduction.

How to Enroll
Call The Hartford at 1-888-723-8583 or 1-203-634-2829 or email USICT.SCEVLTD@usi.biz. On the web: http://thehartford.com/benefits/SCEVLTD.

LONG-TERM CARE INSURANCE
Long-term care insurance helps pay for extended care, primarily in your home or in the community that is not covered by health insurance, Medicare, or Medicaid. For more information about long-term care insurance, contact TransAmerica below.

Eligibility

  • All employees with six months or more of state employment, who are between the ages of 18 and 79, working at least 17.5 hours per week.
  • Retirees under age 79.
  • Eligible family members (spouses/partners, parents, parents-in-law, step-parents, grandparents-in-law, and adult children.

How to Enroll
Upon completing six months of service, employees will have a 30-day period to apply for coverage under the carrier’s simplified underwriting program. After the 30-day eligibility period has passed, all applicants will be required to answer additional medical questions.

Contact an authorized Long-Term Care Insurance enroller at 1-800-582-2889 or email TransAmerica at socltc@armletc.com. On the web:http://myctltci.com or http://armltci.com/ltcbenefit.

Home and Auto Insurance protects against the financial lose and/or liability expenses due to an accident, the damage to, or loss of, your automobile, home and/or other personal property.

Eligibility
Available to all employees working 17.5 or more hours per week, retirees and spouses.

Enrollment
The state has selected three vendors to offer auto, home insurance, and personal liability umbrella coverage. You may contact agents at the numbers below to obtain a quote, discuss your coverage options, and learn about discounts available to you as a State of Connecticut employee. This voluntary benefit allows active employees to make premium payments through the convenience of payroll deduction.

Library Mutual Insurance Co.
Phone: 1-888-257-4889
http://libertymutual.com/stateofct

MetLife
Phone: 1-800-438-6381

Travelers
Phone: 1-888-695-4640 (new enrollment)
1-800-842-5075 (existing clients)
http://travelers.com/ct

UConn offers optional group insurance plans that can complement the insurance benefits the State plans provide. Currently, the University offers three group plans:

- A Short-Term Disability plan offered by The Hartford.
- A Long-Term Disability Plan offered by Aetna. Please Note: Employees who elect the Alternate Retirement Plan (ARP) are automatically covered for Long Term Disability Insurance through Prudential.
- A Universal Life Insurance Plan offered by Aetna.

Detailed information regarding these plans, including enrollment can be found on the College Benefits Group website. The College Benefits Group is UConn’s chosen insurance broker for these plans. The main contact for the UConn account is Charles Dyson.

Please Note: You can elect to participate in these benefits at any time, but for certain insurance products, such as short-term disability and long-term disability, if you do not sign up for these products when you are first eligible and decide to enroll later, you may be subject to evidence of insurability guidelines.

College Benefits Group Contact:
Charles Dyson
(860) 429-9000 (phone)
(860) 429-9513 (Fax)
charles@collegebenefitsgroup.com