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

Life insurance provides protection for your beneficiary in the event of your death. All benefit-eligible employees will automatically receive Basic Life and Accidental Death & Dismemberment (AD&D) Insurance coverage administered by UNUM. The District provides a Basic Life benefit of $50,000 and an Accidental Death and Dismemberment (AD&D) benefit of $50,000.

Supplemental Life Benefits

In addition to Basic Life insurance, benefit-eligible employees may elect more coverage by enrolling in a Supplemental Group Term Life Insurance program underwritten by UNUM. Employees may elect term life insurance up to the amounts below within 30 days after date of hire.

• For you: Coverage from $10,000 to $500,000 in $10,000 increments, not to exceed 5 times your annual salary. Guaranteed Issue amount for new hires is $200,000.*
  
• For your spouse/domestic partner: If you elect Supplemental Life coverage for yourself, you may elect coverage for your spouse/domestic partner from $5,000 to $500,000 in $5,000 increments, not to exceed 100% of employee’s benefit amount. Guaranteed Issue amount for new hires is $30,000.*
• For your dependent child(ren): If you elect Supplemental Life, coverage for yourself, you may elect coverage for your dependent child(ren) in the amount of a flat $10,000 for children at birth to age 26.
  
  *If you apply for coverage greater than the guaranteed amounts or enroll after you first become eligible, evidence of insurability must be provided and approved by UNUM's underwriting department before coverage goes into effect.

If you wish to increase your Supplemental Life coverage or your Spouse/Domestic Partner’s Supplemental Life coverage, YOU MAY ONLY DO SO DURING OPEN ENROLLMENT (approximately October of each year.)

Long Term Disability

HBUHSD provides Long-Term Disability (LTD) Insurance to all benefit-eligible employees administered by UNUM. LTD insurance provides income continuation benefits in the event of a disability lasting longer than 150 days.

Under the plan, you will receive 67.00% of your average monthly compensation at the time of disability. The minimum monthly benefit amount is $100 and the maximum is $7,500.

UNUM LTD Forms:

Long Term Care - Discontinued

Unfortunately UNUM no longer sells their Long Term Care Product.  Any employee who has already purchased the product will be allowed to continue their coverage, but no new policies are being accepted.

What is long-term care?
It is the type of care you may need if — due to a Chronic Illness — you are unable to perform, without Substantial Assistance from another individual, two or more activities of daily living such as:

Or if you require Substantial Supervision by another individual to protect your health from threats to your health and safety due to Severe Cognitive Impairment, such as Alzheimer's disease or Mental Illness.

UNUM LTC Forms: