Full-time employees have the option to purchase Supplemental Critical Illness, Accident, and Hospital Indemnity Insurance through The Hartford for a monthly premium.
Read below for detailed information about these benefit options:
Eligibility
All full-time employees are eligible to enroll in The Hartford insurance options. An employee's spouse and dependent child(ren) are also eligible to be enrolled under the employee's policy per the details of each applicable Policy Certificate.
What is Critical Illness Insurance?
Critical Illness Insurance provides a lump sum benefit if the employee or their covered dependents are diagnosed with a serious medical condition such as cancer, heart attack, or stroke. A benefit amount is also payable if a previously covered illness returns or if an additional covered illness is diagnosed while insured under the policy. Covered employees can use the payment in any way they choose, such as for expenses not covered by medical insurance or day-to-day living expenses.
Why Critical Illness Insurance?
Coverage Information
Covered Individual Coverage Options (Benefit Amount) Employee $10,000 or $20,000 Spouse 50% of your coverage amount Dependent Children $5,000 PDF File2022 Critical Illness Benefit Highlights
Premium (Cost)
2022 MONTHLY PREMIUM - NON-TOBACCO
2022 Monthly Premium - Tobacco
If an employee does not have sufficient pay on their paycheck to cover payroll-deducted benefits premium payments, invoicing is used to collect any missed payments. An employee could have insufficient pay due to situations such as an unpaid leave of absence or not having scheduled work in a pay period. Check out the LCC Employee Benefits Invoicing webpage for more details.
Policy Certificate
What is Accident Insurance?
Accident Insurance provides a lump sum benefit if the employee or their covered dependents experience an accidental injury, related services, and treatments. Covered employees can use the payment in any way they choose, such as for expenses not covered by medical insurance or day-to-day living expenses.
Why Accident Insurance?
Coverage Information
Premium (Cost)
Coverage Tier Premium Per Month Employee Only $6.59 Employee and Spouse/Partner $10.36 Employee & Child(ren) $10.88 Employee & Family $17.15 If an employee does not have sufficient pay on their paycheck to cover payroll-deducted benefits premium payments, invoicing is used to collect any missed payments. An employee could have insufficient pay due to situations such as an unpaid leave of absence or not having scheduled work in a pay period. Check out the LCC Employee Benefits Invoicing webpage for more details.
Policy Certificate
What is Hospital Indemnity Insurance?
Hospital Indemnity Insurance provides a cash benefit if the employee or their covered dependents requires a hospital stay due to a covered illness or injury. Covered employees can use the payment in any way they choose, such as for expenses not covered by medical insurance or day-to-day living expenses.
Please Note: This plan is available starting 1/1/2023.
Why Hospital Indemnity Insurance?
Coverage Information
Premium (Cost)
Coverage Tier Premium Per Month Employee Only $11.98 Employee and Spouse/Partner $24.78 Employee & Child(ren) $22.81 Employee & Family $37.26 If an employee does not have sufficient pay on their paycheck to cover payroll-deducted benefits premium payments, invoicing is used to collect any missed payments. An employee could have insufficient pay due to situations such as an unpaid leave of absence or not having scheduled work in a pay period. Check out the LCC Employee Benefits Invoicing webpage for more details.
My Coverage Resources and Forms
The Hartford Member Portal
You can view your benefits, check your claims, and much more by creating an account through The Hartford website.
Claim Filing Instructions
Critical Illness Health Screening $50 Benefit
If you are enrolled in The Hartford Critical Illness Insurance, you can receive a health screening benefit of $50 per covered individual per year for completing a preventative screening during the year. Examples of preventative health screenings are pap smears, fasting blood glucose test, colonoscopy, etc.
Each covered individual can submit a Health Screening Claim and provide documentation of the office visit or lab work to serve as evidence of the health screening. Follow the link below for a more comprehensive list of the health screenings and instructions on how to file a claim.
Ability Assist Counseling Services
If you are enrolled in a Hartford plan, you have access to their Ability Assist Counseling Services. This service provides unlimited 24/7 telephone access to experts and resources in addition to the following services:
- Face-to-face, telephonic, or virtual emotional counseling sessions
- Financial concern assistance and information from Certified Public Accountants and Financial Planners
- Licensed attorneys exclusively dedicated to telephone consultations and referrals to local attorney representation, if needed
- Critical Incidence onsite counseling
HealthChampion Advocacy Services
If you are enrolled in a Hartford plan, you have access to HealthChampion. This service provides access to health care advocacy resource assistance, such as:
- Unlimited telephone access to healthcare navigation support specialists
- Administrative guidance and support on claims and billing issues
- Clinical support for health concerns, preparation assistance for doctor visits, lab work, surgeries and coordination of health care plan options
Benefits Enrollment & Changes
When and how can I enroll in and make changes to my eligible benefits?
Questions?
Contact your HR Benefits Team at LCC-HR-Benefits@star.lcc.edu
Contact Human Resources
Phone: 517-483-1870
Fax: 517-483-1883
Monday - Friday:
8:00 a.m. - 5:00 p.m.
Administration Building
Suite 103 & 106
610 North Capitol Avenue
Lansing, MI 48933