Full-time employees have the option to purchase Supplemental Critical Illness and Accident 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.
Coverage Information
Covered Individual Coverage Options (Benefit Amount) Employee $10,000 or $20,000 Spouse 50% of your coverage amount Dependent Children $5,000 Premium (Cost)
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.
Coverage Information
Premium (Cost)
Covererage 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
My Coverage Resources and Forms
Enrollment Form
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 Benefit Form
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 complete the Health Screening Form and submit documentation of the office visit or lab work to serve as evidence of the health screening. A more comprehensive list of the health screenings are on the form. The claim form and documentation can be mailed or faxed to The Hartford according to the instructions at the top of the form.
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