Life Insurance

The Hartford Group Policy Number: 715942

Claim Status and Evidence of Insurability (EOI) Status

Customer Service Representatives are available to answer your questions regarding the status of a claim or Evidence of Insurability application at (888) 563-1124.

Porting Coverage

For more information contact The Hartford at (877) 320-0484 or email portabilityandconversions@selmanco.com.

Porting Coverage Eligibility:

• Voluntarily Terminating Emloyment
• Voluntary Retirement
• Must enroll before age 70

Converting Coverage

Contact The Hartford directly at (877) 320-0484 or email portabilityandconversions@selmanco.com. 

Converting Coverage Eligibility:

• Involuntarily Terminating Employment
• Disability Retiree
• No age restrictions

More information regarding portability and conversion can be found on The Hartford’s dedicated Portability and Conversion portal.

Full-Time Employees Working 60 or More Hours Per Pay Period

Enrollment in Basic Life Insurance and AD&D is automatic for all regular full-time employees and regular part-time employees, regardless of bargaining unit, in an allocated position of 60 hours (.75 FTE) or more per pay period. Basic Life Insurance and AD&D premiums are paid by the County.

Part-Time DSA, ESC and SCLEA Employees Only

Part-time employees working less than 60 hours per pay period may purchase Basic Life and AD&D and Supplemental Life insurance at their own expense. You must be enrolled in Basic Life to enroll in Supplemental Life. 

Basic Life and AD&D employee premiums

• DSA - $100,000 in coverage is $1.90 bi-weekly
• ESC - $25,000 in coverage is $0.48 bi-weekly
• SCLEA - 1x base annual salary at a rate of $0.19 per $1,000 in coverage bi-weekly

Supplemental Life premiums will be based on coverage amount. Premiums can be found under Employee Supplemental Life Insurance.

You must be enrolled in Basic Life Insurance to purchase Supplemental Life Insurance.

Guaranteed Issue

Guaranteed Issue is the amount of Supplemental Life Insurance that you are automatically approved for without providing evidence of good health. Guarantee issue is up to the lesser of
3x your basic life amount or $250,000.

• New hire or newly eligible employees may elect up to 3x your Basic Life coverage amount not to exceed a combined Basic and Supplemental Life total of $500,000. Eligible election amounts are determined by your bargaining unit.
• Employees with existing Supplemental Life Insurance, who haven’t yet reached their maximum guaranteed issue, may increase coverage by 1 increment level, up to 3x Basic Life Insurance, during the annual enrollment period. Electing more that 1 increment and/or exceeding 3x Basic Life, will require evidence of good health.
• Employees electing Supplemental Life Insurance for the first time during the annual enrollment period have no guaranteed issue; coverage is subject to approval by The Hartford and evidence of good health is required.

Supplemental Life Insurance requiring evidence of good health must be approved by The Hartford. An Evidence of Insurability (EOI) form must be submitted directly to The Hartford. Payroll deductions will begin only after the application has been approved.

2026-2027 Employee Supplemental Life Insurance Premiums Per $10,000 of Coverage

Premium changes are effective January 1st and are based on the age you will become in that year. 

ex. If you are turning 40 at any point during 2026, your premiums will change January 1, 2026 to the 40-44 age group. 

Premium calculations assume 365.25 days per year with 26.089 bi-weekly pay periods.

You must be enrolled in Basic Life Insurance coverage to purchase Dependent Life Insurance.

Dependent Life Insurance coverage may be purchased for your spouse/California state registered domestic partner and any dependent child(ren) through the end of the month they turn age 26. Dependents employed through the County are not considered eligible dependents for Dependent Life.

The amount of coverage is $5,000 for each eligible dependent

• The employee is the beneficiary
• The premium rate is $0.23 bi-weekly, which covers all eligible dependents
• You will be required to show proof of dependent eligibility at the time a claim is made

Full-Time Employees

Scheduled to Work 60 or More Hours Per Pay Period

Part-Time DSA, ESC and SCLEA Only

Schedule to Work Less than 60 Hours Per Pay Period

Your Life Insurance coverage ends at 11:59 p.m. the last day of the month on which your employment ends, or the day your benefit is terminated due to injury or illness. 

When your employment with the County ends, you may be eligible to port or convert coverage for the plans in which you are enrolled. If you port or convert your policy, you will pay the entire cost of the premium, that is, the County will not contribute to the cost of the premium as it does (for Basic Life) while you are employed. Please review the documents in their entirety for details and restrictions.

Coverage Portability

Who's eligible?

• Voluntary termination
• FTE reduction
• Have been enrolled in Life Insurance benefits for at least 90 days
• Must enroll before age 70

Porting coverage allows employees to keep the life insurance they had while employed at the County. When you port your coverage, you do not have a maturity date. As long as you continue to pay your premiums, you can continue your coverage, regardless of age. 

To port your coverage, click on the link below and submit directly to The Hartford within 31 days of the policy end date. Portability is managed by The Hartford and premiums will be paid directly to them. 

Insert portability link once available

Coverage Conversion

Who's eligible?

• Involuntary employment termination
• Life Insurance benefits terminated due to injury or illness
• Have been enrolled in Life Insurance benefits for at least 90 days
• No age restrictions to enroll

Converting coverage allows employees who involutarily end employment or whose benefits are terminated due to injury or illness, keep the life insurance coverage they had while employed at the County.  

The Hartford manages conversion of policies. If you are interested in converting your coverage, you must submit your conversion request via the link below for approval and rate quote and submit your payment directly to The Hartford within 31 days of your policy end date.  You may check the status of your request by contacting The Hartford directly at (877) 320-0484 or email portabilityandconversions@selmanco.com.

Insert portability link once available

More information can be found on The Hartford's Portability and Conversion Portal

Accidental Death & Dismemberment and Dependent Life

No portability or conversion policy is available for AD&D or Dependent Life coverage.

When you are on a Leave of Absence (LOA), including paid, unpaid, workers compensation, labor code 4850, and any time you are not physically working, your life insurance eligibility ends 12 months from the last date worked. 

If your life insurance benefits end, you may be eligible to port or convert coverage for the life plans you are currently enrolled in. If you port or convert your policy, you will pay the entire cost of the premium, that is, the County will not contribute to the cost of the premium as it does (for Basic Life) while you are employed. Please review the documents in their entirety for details and restrictions.

Coverage Portability

Who's eligible?

• Voluntary termination
• FTE reduction
• Life insurance benefits terminated, not due to injury or illness
• Have been enrolled in Life Insurance benefits for at least 90 days
• Must enroll before age 70

Porting coverage allows employees and retirees to keep the life insurance they had while employed at the County. When you port your coverage, you do not have a maturity date. As long as you continue to pay your premiums, you can continue your coverage, regardless of age. 

To port your coverage, click on the link below and submit directly to The Hartford within 31 days of the policy end date for approval. Portability is managed by The Hartford and premiums will be paid directly to them. 

Insert portability link once available

Coverage Conversion

Who's eligible?

• Involuntary employment termination
• Life Insurance benefits terminated, due to injury or illness
• Have been enrolled in Life Insurance benefits for at least 90 days
• No age restrictions to enroll

Converting coverage allows employees, who involutarily end employment or whose benefits are terminated due to injury or illness, keep the life insurance coverage they had while employed at the County.  

The Hartford manages conversion of policies. If you are interested in converting your coverage, you must submit your conversion request via the link below for approval and rate quote and submit your payment directly to The Hartford within 31 days of your policy end date.  You may check the status of your request by contacting The Hartford directly at (877) 320-0484 or email portabilityandconversions@selmanco.com.

Insert portability link once available

More information can be found on The Hartford's Portability & Conversion Portal

Accidental Death & Dismemberment and Dependent Life

No portability or conversion policy is available for AD&D or Dependent Life coverage.

Returning from a Leave of Absence (LOA)

When you return from a Leave of Absence, your Basic Life Insurance will automatically be reinstated.

To re-enroll in Supplemental Life and/or Dependent Life, you will need to complete an enrollment form and submit to the HR Benefits Unit within 31 days of your return date. Your Supplemental Life election will be considered a new employee enrollment. That means you wil be eligible for a guaranteed issue up to 3x your basic life amount. If you request an amount that exceeds 3x your Basic Life amount, you will need to submit an Evidence of Insurability (EOI) information through this <Insert Link when available> link and submit to The Hartford within 31 days for underwriting approval. You will not be enrolled in the coverage amount above 3x the guaranteed issue, until we have received approval from The Hartford. If you are not approved for additional coverage, you will continue to be enrolled in the guaranteed issue amount of 3x basic.

If you do not enroll within 31 days of your return date, you may enroll during annual enrollment. You will not be eligible for the guaranteed issue amount.  Any amount you elect will require you to complete and submit and EOI to The Hartford for approval. 

You have a one-time option to enroll in Retiree Life Insurance. You must enroll within 31 days of your Retirement Date. You will not be eligible to enroll at a later date. 

Retiree Life provides $10,000 in Life Insurance coverage. The 2026-2027 monthly premium is $9.50. This amount is subject to change at annual renewal effective June 1st each year. Retirees enrolled prior to March 1, 2011 were eligible for $2,000 in Life Insurance coverage. 

As a new Retiree, you may be eligible to port or convert your coverage within 31 days of your Retirement Date. If you port or convert coverage, you may also enroll in the Retiree Life benefit.  Enrolling in both will reduce your ported or converted coverage by $10,000. 

If you port or convert coverage, you will pay the entire cost of the premium, that is, the County will not contribute to the cost of the premium as it does (for Basic Life) while you are employed. 

Porting Coverage

Who's eligible?

• Voluntary Retirement
• Have been enrolled in Life Insurance benefits for at least 90 days
• Must enroll before age 70

Porting coverage allows retirees to keep the life insurance they had while employed at the County. When you port your coverage, you do not have a maturity date. As long as you continue to pay your premiums, you can continue your coverage, regardless of age.  

To port your coverage, click on the link below and submit directly to The Hartford within 31 days of the policy end date for approval. Portability is managed by The Hartford and premiums will be paid directly to them. 

Insert portability link once available

Converting Coverage

Who's eligible?

• Disability Retirement
• Life Insurance benefits terminated due to injury or illness
• Have been enrolled in Life Insurance benefits for at least 90 days
• No age restrictions to enroll

Converting coverage allows retirees who involuntarily end employment, or whose benefits are terminated due to injury or illness, keep the life insurance coverage they had while employed at the County.  

The Hartford manages conversion of policies. If you are interested in converting your coverage, you must submit your conversion request via the link below for approval and rate quote and submit your payment directly to The Hartford within 31 days of your policy end date.  You may check the status of your request by contacting The Hartford directly at (877) 320-0484 or email portabilityandconversions@selmanco.com.

Insert portability link once available

More information can be found on The Hartford's Portability & Conversion Portal

Accidental Death & Dismemberment and Dependent Life

No portability or conversion policy is available for AD&D or Dependent Life coverage.