Such coverage provides added peace of mind. You may purchase $10,000 of additional critical illness insurance each for yourself and your spouse (your spouse is eligible for coverage only if you enroll yourself).

Yes! Eligible children from live birth to age 26 are automatically covered at no extra cost. Their coverage amount is 100% of yours, and they are covered for all the same illnesses as well as these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. The diagnosis must occur after the child’s coverage effective date. Disabled children enrolled in the plan prior to their 26th birthday may remain on the plan after the age of 26.

Rate for Each Employee, Spouse or Domestic Partner; rate is based on employee's age.

If both you and your spouse are employed through The Heritage Group, only one employee is eligible to carry the coverage. You may be eligible to use this coverage more than once. Refer to the plan document on the portal for more details and to see a full list of covered conditions.

Accident insurance provides benefits to help pay for unexpected costs following an accident. Benefits are paid directly to you and may be used in any way you and your family choose.

For example, if your child broke their leg while riding a bike, accident benefits would be paid directly to you even if your health plan covered part or all of the expenses. Children are eligible for coverage up to their 26th birthday. Disabled child(ren) enrolled in the plan prior to their 26th birthday may remain on the plan after the age of 26. 

Please note, you are not eligible for family coverage of this benefit if your spouse is also an employee of the company.

If your annual base salary (one, two or three times level) exceeds $500,000 and you’re interested in purchasing the extra coverage above this guaranteed limit, proof of good health is required. Your combined coverage — basic life (company-paid) and supplemental life — cannot exceed a maximum of $1,500,000.

Employees age 65 or better, your employer-paid basic life and employee-paid supplemental life benefit will be reduced by 35% for ages 65–69 and 50% for ages 70+.

If you choose not to select supplemental life for yourself as a new hire and want to select it during open enrollment, or if you experience a qualifying life event, proof of good health (EOI - Evidence of Insurability) will be required for your enrollment.

Contact Employee Hub for help with this process.

If you choose not to select supplemental life for yourself as a new hire and want to select it during open enrollment, or if you experience a qualifying life event, proof of good health (EOI - Evidence of Insurability) will be required for your enrollment.

Contact Employee Hub for help with this process.

This supplemental life insurance provides extra protection to cover the life of your spouse or domestic partner. You must elect coverage for yourself in order to elect coverage for your spouse or domestic partner. The cost of this plan is based upon the employee’s age.

If you’re interested in purchasing this coverage, you may elect up to $25k, $50k, $75k, or $100k. Evidence of Insurability will be required to gain coverage for spouses enrolling outside of their initial eligibility window.

The rates you pay for supplemental life insurance for yourself or your spouse/domestic partner are based on the employee’s age and salary. If you receive a base pay change or change age bands due to a birthday, your premium will increase in the pay period following the age or pay change.

To calculate your monthly premium, find the employee age below. Divide your life insurance value by 1,000 and then multiply it by the rate from the table below. Premiums must be calculated individually for each covered individual.

For example: for a 50-year-old who works year-round

Let's assume Insurance Value = $50,000
Monthly Rate per $1,000 of Coverage = .345 (refered from table)

Therefore, Cost for Supplemental Life Insurance will be
(Insurance Value/ 1000) x Monthly Rate = ($50,000 / 1000) x .345 = $17.25 per month rate

This program pays a death benefit if a covered child should die. You may elect a $5,000 life benefit at flat rate of $12.60 annually, divided and paid in equal payroll installments throughout the year. This rate includes all eligible children. To be eligible for coverage, dependents must be under 26, unmarried and a fulltime student or disabled. Coverage can continue for disabled children over age 26 if they are currently insured in the plan, are unmarried and the employee is the main source of support and maintenance.

Please contact Employee Hub by email or call 1-800-303-0408 (Monday – Friday, 8:00am – 5:00pm EST).