Life Insurance and AD&D
Life Insurance
The Hartford is the life insurance carrier for the A&M System. The plan offers Basic Life, Dependent Life, and Optional Life to benefit-eligible employees. For more information, visit the The Hartford TAMUS website.
Retired Employee Summary Guide
Life Insurance Plan Description
For information on Continuation Options, portability and conversion, view the Life Insurance Plan Description.
Accidental Death and Dismemberment (AD&D)
You may choose Accidental Death and Dismemberment coverage on yourself only or on yourself and your family. Coverage on you pays you a benefit if you have certain injuries as the result of an accident and pays a benefit to your beneficiary if you die from injuries that result from an accident.
Family AD&D coverage pays you a benefit if a covered dependent is killed or has certain injuries as the result of an accident. If you choose family coverage, all of your eligible dependents are automatically covered. The plan pays benefits only when death or injury is the result of an accident. The plan pays full benefits for certain losses and partial benefits for other losses.
For more information, view the AD&D Booklet.
Value Added Services
As part of your policy with The Hartford, you have complementary access to Empathy, a service that can assist you with pre-planning – such as will preparation and funeral arrangements – to ease your family’s burden in the future. These services offer compassionate support and guidance to help you prepare for difficult moments of grief and loss.
Services available through Empathy:
- Online Will Preparation – Step-by-step guidance and support for preparing a will.
- On-Demand Assistance – Get around the clock professional advice and support from the Empathy Care Team.
- Funeral Planning – Detailed instructions and on-demand assistance available to help plan a funeral, burial and/or cremation.
- End-of-life Wishes – Make informed decisions now so that your final preferences can be honored.
- Step-by-Step Checklist – Find clear guidance and expert for your every need.
Estate planning – Settle administrative, legal, and tax details to ease the burden of your family.
To access these services, register online at join.empathy.com/hartfordcare. Once you register, you can access these services online or by calling 1 (229) 544-2332.
As part of your policy with The Hartford, you and your beneficiary have complimentary access to Empathy, a service that helps families through all the emotional and practical challenges that follow a loss. You and your
beneficiary have access to resources and real, trained professionals who are there to listen and offer compassionate support and guidance during this difficult time. Some of the services available to you and your beneficiary when you’ve lost a loved one include:
- Easy-to-use App – Access resources and services in one place to help you navigate the challenges of loss.
- Dedicated Care Team – Chat one-on-one with a dedicated Care Manager for expert advice and on-demand support
- Grief Counseling – Licensed social workers are available to listen and give support.
- Funeral Planning – Detailed instructions and on-demand assistance are available to manage the logistics of funeral planning, burial, cremation and other related services.
- Obituary Writing – Online obituary writing wizard tool offers step-by-step guidance.
- Estate Administration – Guidance is available for navigating estate and probate processes.
- Account Deactivation – Get help closing unneeded financial accounts, memberships and subscriptions.
- Identity Theft Protection – Step-by-step instructions to freeze credit and protect the identity of your loved one.
- Family Collaboration – Support for the process by sharing with up to 10 others on an account.
- Secure Vault – A safe place to upload, organize, and share crucial documents.
To access these services, register online at empathy.com/partner/Hartford or download the Empathy app, use access code: EMP-HART. Empathy’s dedicated Care Managers are available via chat, email, text and phone. Once registered, you or your beneficiary can access these services online or by calling (270) 681-1364.
Dedicated Customer Support
The Hartford partners with OG Benefits to provide additional guidance on the life insurance plans. You can contact them at 1 (833) 867-5300, Monday-Friday 8 AM to 5 PM, for a consultation about Life and Dependent Life Insurance coverage. This service also provides:
- Assistance with Evidence of Insurability
- Answers to questions about Beneficiaries under Texas law
- Death claim support and additional services, including survivors’ questions
- Advice on special circumstances like Accelerated Death Benefits