SFPA provides additional Voluntary Life and AD&D Insurance with The Hartford to our employees in case they need additional life insurance coverage. Employees pay for their Voluntary Life premiums via a payroll deduction. The premiums are based on the employee’s age.

Employees can purchase Voluntary Life/AD&D in increments of $10,000 up to a maximum of$250,000. The maximum amount cannot exceed more than 3 times the employee’s salary. If the employee purchases the Voluntary Life/AD&D insurance when they are first eligible (first of the month following 30 days from date of hire), the employee can qualify for $100,000 of guaranteed issue coverage. If the employee wants to purchase more than $100,000, the amount over $100,000 is subject to medical underwriting, and the employee will have to complete a health statement.

If the employee does not apply for the Voluntary Life insurance when first eligible, and decides to apply later, then the employee will have to complete a health statement for the full amount of Voluntary Life coverage being requested.

If the employee is enrolled on the Voluntary Life plan, they may cover their Spouse/Domestic Partner on the plan also. Spouse/Domestic Partners can enroll in increments of $5,000, and their coverage cannot exceed 50% of the employee’s coverage amount. A Spouse/Domestic Partner can qualify for $25,000 of guaranteed issue coverage if enrolled when first eligible.

Please refer to The Hartford Voluntary Life/AD&D Benefit Highlight Sheet and Enrollment Form for complete details of coverage and pricing.