2022 Life Insurance

Lincoln Financial Group800-210-0268
www.mylincolnportal.com

OPEN ENROLLMENT SPOTLIGHT

October 18 - November 1, 2021

CHANGES
For 2022, the life insurance carrier will change from MetLife to Lincoln Financial Group.  Plan limits and coverage amounts are not changing.  Supplemental Life insurance rates are increasing slightly - on average less than 5%.

NOTE
Your existing approved coverage will remain in tact with Lincoln Financial.

DEFAULT
If you do not log in to FlexOnline or complete your enrollment, you will default into the same coverage level of life insurance that you will have at the end of December 2021.

 

THE PLANS

Dartmouth College offers a variety of insurance products and services to benefits-eligible employees.  A brief description of each, including rates is listed below.

Top of Page

Basic Life Insurance
Group term life insurance will provide a life benefit to the beneficiaries of a covered individual who dies during the defined covered period.

  • Faculty, Exempt and Non-Exempt employees are eligible to receive a $50,000 basic life insurance benefit at no cost.
  • SEIU employees receive 2.5x their annual salary at no cost, after one year of eligible employment.
  • Research Associate Bs and Research Fellows have the option of purchasing the $50,000 basic life plan and/or 1–8x annual salary.
  • Evidence of Insurability is not required for Basic Life Insurance coverage.

Top of Page

Supplemental Life Insurance
Supplemental group term life insurance will provide a life benefit to the beneficiaries of a covered individual who dies during the defined covered period.

  • Faculty, Exempt and Non-Exempt employees are also eligible to elect a group term life insurance plan of an amount up to 8x their annual salary, to a maximum of $1,500,000.
  • Research Associate Bs and Research Fellows also have the option of purchasing 1–8x annual salary.
  • Group term life rates are calculated based on age bands and per thousand dollars of coverage.  Rates can be calculated using the benefit cost estimator.
  • Optional life insurance premiums are based on the employee's salary on January 1. Therefore, a life insurance payment due to a beneficiary will be based on the salary effective January 1.
  • When increasing life insurance levels during open enrollment or a qualified life event, Evidence of Insurability (EOI) is required and you must complete a Statement of Health through Lincoln Financial. A link will be provided at the end of your enrollment process in FlexOnline and changes will not take effect until the Statement of Health is completed and approved by Lincoln Financial.

Top of Page

Dependent Life Insurance
You may elect life insurance for your dependents.

  • This is a life insurance policy in which you are the named beneficiary in the event that something should happen to your insured dependents.
  • Evidence of Insurability (EOI) is not required for Dependent Life Insurance coverage.
  • Plan guidelines do not allow Dartmouth couples to cover one another on dependent life, and only one spouse can cover the children.
  • SEIU employees are eligible to elect dependent life after one year of eligible employment.
  • Plan coverage and rates

 dlifechart_2021

Top of Page

COST OF COVERAGE

Basic Life - Faculty, Exempt, Non-Exempt and SEIU employees are eligible to receive a basic life insurance benefit at no cost. Research Associate Bs and Research Fellows have the option of purchasing the $50,000 basic life benefit at the cost of $4.65/month.

Supplemental Life - Faculty, Exempt, Non-Exempt, Research Associate B's and Research Fellows have the option of purchasing 1X to 8X annual salary.  Group term life rates are calculated based on age bands and per thousand dollars of coverage.  Premiums are based on the employee's salary on January 1. Therefore, a life insurance payment due to a beneficiary will be based on the salary effective January 1.  Some qualified life events may cause a recalculation in your monthly life insurance premium.

Rates can be calculated using the befit cost estimator at http://dartgo.org/benefits-cost-estimator.

Dependent Life
Monthly rates for Dependent Life insurance are as follows:

 dlifechart_2021

Additional Benefits
All additional benefits through Lincoln Financial Group lik the Travel Assistance, LifeKeys®, and Lincoln FuneralPrep services are available to all members enrolled in a basic life plan at no additional cost.

Top of Page

BENEFICIARIES

Beneficiaries for your Basic Life and/or Supplemental life insurance plans are assigned an allocated within the FlexOnline system.  Beneficiary designation can be changed at any time.  From the main dashboard in FlexOnline, simply click on MENU and BENEFICIARIES.flexonlineSEIU employees should complete the SEIU Beneficiary form upon hire, for auto enrollment in coverage after one year of service

ADDITIONAL BENEFITS


Travel Assistance
Lincoln Financial Group’s TravelConnect® program provides employees with 24/7 access to a multilingual assistance coordinator who can assist with doctor referrals, transportation, prescriptions, and use of a 24/7 nurseline. This program, provided at no cost to you, also supports you in the event of a medical emergency, natural disaster, and political upheavals. Evacuation to the nearest hospital or safe haven can be arranged, or travel arrangements home can be made as needed. For general travel, LFG can assist with pre-trip travel services, lost travel documents, and legal consultation/referrals.

For more information about the TravelConnect® Services click here.

Top of Page

LifeKeys® Services
No matter how well you plan, unexpected challenges will arise. When they do, help and support are nearby — thanks to LifeKeys® services from Lincoln Financial Group.

LifeKeys® services include:

  • Online will preparation
  • Guidence and support for your beneficiaries
  • Protection against identity theft
  • Help with important life matters
  • Save money on shopping and entertainment

For more information about the LifeKeys® Services click here.

It’s easy to access LifeKeys® services. Just visit GuidanceResources.com, download the GuidanceNow® mobile app, or call 1-855-891-3684.
(First-time user: Enter Web ID LifeKeys)

Top of Page

Lincoln FuneralPrep
Help when you need it most.  With many details to manage and decisions to make, the funeral planning process can be overwhelming.  Top you every step of the way, Lincoln has partnered with Funeral Decisions Co. to provide comprehensive planning services.

For more information about the Lincoln FuneralPrep Services click here, or visit http:Lincolnfuneralprep.com/gplife

Top of Page

FILING A CLAIM

To file a claim, please contact the benefits office at 603-646-3588 or by emailing us at Human.Resources.Benefits@dartmouth.edu.  We will need a copy of the deceased's death certificate in order to file a claim.

Top of Page