Hartford Benefits for EACC

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Currently available to those already enrolled.  New information available by next school year.

HOW DOES THE HARTFORD COVER YOU?

  • Pays you up to 2 years or to age 67.
  • Pays for on- or off-the-job accidents
  • Provides payment for surgery, illness, or accident
  • There is no waiting period (if out of
  • sick leave/bank)
  • Provides additional coverage for spouses.
  • Pays prior to getting into Sick Bank
  • Pays after Sick Bank is exhausted

WHAT IS INCOME PROTECTION?
Income Protection is disability insurance that can be used either up to 2 years or to age 67. It is used to replace your or your spouse’s income when you are unable to work.

WHAT IS THE DIFFERENCE BETWEEN HEALTH INSURANCE AND INCOME PROTECTION?
Health insurance is used to pay doctors and hospitals. It does not cover other bills and expenses. Income Protection pays you when you run out of sick days and before or after sick leave bank so that, if you are unable to work, you can stay on top of your bills and expenses.

WHAT ARE THE BENEFITS OF DISABILITY INSURANCE?
Disability Insurance pays you in cash to cover your bills and expenses if you are unable to work. It pays on top of Health Insurance you receive from the Board of Education. Health Insurance alone will not cover any of your everyday expenses while you can’t work. In addition, The Hartford offers exceptionally low rates, including low rates for spouse coverage.

WHAT ABOUT THE DIFFERENCE BETWEEN INCOME PROTECTION AND FMLA?
FMLA protects your job for up to 12 weeks in a 12-month period. However, unless approved to convert sick days, FMLA does not offer paid leave. Income protection Through The Hartford could fill those gaps.

Please feel free to contact an EPS Advisor for more information. We will ensure you have adequate coverage to supplement your current coverage plan. Call 1-877-884-3784 – we will consult with you at your school or in your home with your spouse.

*See policy for specific terms, conditions, policy description, limitations and exclusions.