Life, Accidental Death and Dismemberment, Accident Insurance

Options for life insurance, accidental death and dismemberment insurance, and accident insurance are available for Saint Louis University employees.

For life insurance and accidental death and dismemberment insurance, SLU employees may change beneficiaries at any time by completing a new change beneficiary designation event in Workday. You may change your amount of life or accidental death and dismemberment insurance during open enrollment.

Accident Insurance

Saint Louis University offers accident insurance to its benefit-eligible employees. This benefit through Voya will help protect you financially by reimbursing you for expenses that are incurred due to an accident. This includes, but is not limited to, hospital care, follow-up visits and emergency expenses.

New employees wishing to enroll must complete their elections using the "New Hire Menu" found in their Workday inbox within 31 days of their full-time date of hire. Otherwise, enrollment during the plan year is permitted during the annual open enrollment period each November also using Workday. Employees can elect or change the benefit within 31 days of a life change such as marriage, dependent birth/adoption or loss of coverage through another source by submitting a benefits event in Workday. Only during open enrollment and qualifying events can employees make changes to their accident benefit.

Employees who enroll in the accident benefit are eligible for an additional wellness benefit upon the completion of health screening tests.

Accident Plan Summary and Rates

Additional Information about the Accident Insurance Plan

Wellness Benefit Information

Submitting an Accident Claim

Use the Voya Claim Center to file a claim electronically, or paper claims may also be filed using the Accident Claim Form for Employee, Form #171874. If needed, Saint Louis University's group number is 68504-6. Paper claims can be sent directly to Voya using the address or fax number listed on the form. For questions, please call Voya at 888-238-4840.

Accidental Death and Dismemberment Insurance

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

Saint Louis University provides eligible employees with basic term life and AD&D coverage at no cost to you and enrollment is automatic.

Basic term life: The benefit is equal to one times your base annual earnings to a maximum of $400,000. Upon reaching age 70, your benefit decreases by 50%.
AD&D: If you are seriously injured or lose your life in an accident, you will be eligible for an AD&D payout of one times your base annual salary up to a maximum of $600,000. Reduction schedule applies after age 70.

Supplemental Life

You may choose to purchase supplemental life Insurance coverage through The Hartford in addition to the company-paid benefit. You pay the total cost of this benefit through convenient payroll deduction.

Employee: One, two or three times your base salary, to a maximum amount of $600,000. At age 70, benefit reduces by 50%.
Spouse: If you elect voluntary life coverage for yourself, you can also elect $25,000 in voluntary coverage for your spouse.
Children: Coverage is available in the amount of $12,500. Dependent children birth to 26 years are eligible for coverage.

Supplemental Accidental Death and Dismemberment (AD&D)

You may elect accidental death and dismemberment (AD&D) insurance for yourself and your family members to provide protection in the event of death as a result of a covered accident. Accidental death and dismemberment (AD&D) insurance, offered through The Hartford, also provides benefits for the accidental loss of hands, feet, eyesight, speech or hearing.

Note: Employees covered by Local 1 CBA are not eligible.

Life Insurance

Saint Louis University's life insurance carrier is The Hartford. Saint Louis University provides eligible employees with basic term life and AD&D coverage at no cost to you and enrollment is automatic.

Basic term life: The benefit is equal to 1 times your base annual earnings to a maximum of $400,000. Upon reaching age 70, your benefit decreases by 50%.
AD&D: If you are seriously injured or lose your life in an accident, you will be eligible for an AD&D payout of 1 times your base annual salary up to a maximum of $600,000. Reduction schedule applies after age 70.

Converting Life Insurance

Your Hartford life insurance may be convertible and or portable. To decide whether portability or conversion is the right choice for your situation, you need to understand the differences.

We can help you see them clearly with our side-by-side comparison. Please visit hartford-employee-guide.com to view the complete side-by-side comparison table. If you do not have access to the internet you may obtain a copy of this comparison by calling 1-877-320-0484. Figures for base and optional life insurance may be found by viewing current benefit elections in Workday.