FY2008 09/19/2007
Basic Employee Life and AD&D
Employee Plan Summary
Feature Description
Class I)escrlptlon Class I - All Active Full Time Employees
Class 2 - Retired employee insured on October I, 1987 or later
Class 3 - Retired employee insured prior to October I, 1987
Employee Benefit (Current) Class 1&2 - Flat $20,000
Class 3 - lesser of 50% of the amount of insurance in force prior to
October 1,1987 or $5,000
Emplo)'ee Benefit (Option 1) Class I - I times Earnings rounded to Next higher $1,000
Class 2 - Flat $20,000
Class 3 - lesser of 50% of the amount of insurance in force prior to
October 1,1987 or $5,000
Maximum Benefit (Current) $20,000
Maximum Benefit (Option 1) $100,000
Guaranteed Issue Amount
(Current) $20,000
Guaranteed Issue Amount
(Option 1) Class 1- $100,000
Class 2&3 - $20,000
Benefit Reduction Schedule Class I - 33% @ 70, 50% @ 75'"
Class 2 - 50% @ 70'"
Class 3 - None
Employee No LossINo Gain Standard
Life Dlsablllty Provision. Class I - Premium Waiver if Disabled Prior to 60 - Lifetime Walver-
6 month elimination period.
Class 2&3 - None
Llvlng Benefit Option Class I - 12 months Life Expectancy, 80% of benefit to Max. $20,000
(Accelerated Benefit). Option 1 - Class 1 - 12 months Life Expectancy, 80% of benefit to
Max. $100,000
Conversion. Included
Accidenta.' Death & Current: Class 1 - Flat $20,000
Dismemberment (AD&D) Option 1: I times Eaminlls rounded to Next higher $1,000
Employee ContrIbution Non-conlributQTY
Enrollment Type No Enrollment
Participation Requirement 100% of Eligible Employees
Number of' Eligible Class I - 1358
Employees Class 2 - 294
Total -1652
· Applies to Life only
.. Reminder - Compliance with ADEA is the responsibility oflhe Employer, Please consult your legal
counsel to determine if this cutback schedule complies with ADEA guidelines,
Tm:g
HART FORO
Employee Rate Summary
Basic ILlte
Clasl I, 2, 3 - Current
Basic AD&D
Option. 1
Basic AD&D
Rate Guarantee: 3 Years
$0.52 per $1,000
$0.02 per $1,000
$0.40 per $1,000
$0.02 per $1,000
$31,612,800 Volume
$26,927,800 Volume
$67,796,000 Volume
$63,106,000 Volume
Monthly
Premium
$16,438.66
$538.56
$27,118.40
$1,262.12
'I'm: J
HARTFORD