Term Life and AD&D Insurance

Employee Self Service

Use remote access to log in to Employee Self Service and review and/or change your benefits information.

REMOTE ACCESS
NHRMC provides you with $10,000 of term life insurance and accidental death and dismemberment insurance up to age 65.

New Hanover Regional Medical Center provides you with $10,000 of term life insurance and accidental death and dismemberment insurance (AD&D) through Sun Life Financial up to age 65. You are enrolled in this benefit at no cost. You have the option to add to this benefit by enrolling in supplemental term life insurance, spousal term life insurance and dependent term life insurance. Should you elect to enroll in these optional benefits, the premiums will be paid through payroll deduction.

Eligibility

You are eligible for life insurance if you are a 0.6 FTE or greater.

Naming Beneficiaries

It is very important that you designate your life insurance beneficiaries in Lawson Employee Self Service (ESS).  

Reduced Life and AD&D Coverage Post-Age 65

Coverage after age 65 is reduced in accordance with the plan summary.

Supplemental Term Life

You may elect to enroll in supplemental term life insurance coverage for yourself through Sun Life Financial. Supplemental term life insurance provides you with additional coverage beyond the basic coverage provided at no cost by New Hanover Regional Medical Center.
You may elect to purchase additional coverage for yourself from one-time your annual salary up to five-times your annual salary. The combination of basic life insurance and supplemental life insurance cannot exceed $1.2 million. Evidence of insurability will be necessary in certain circumstances. Please be sure to read the “Evidence of Insurability” section below for details.

Spousal Term Life

You may elect to enroll in Optional Spouse Life Insurance coverage for your legally married spouse.  This insurance is offered in increments of $10,000 starting at $10,000 up to $50,000.  Evidence of insurability will be necessary in certain circumstances.  Please be sure to read the “Evidence of Insurability” section below for details.

Dependent Life

You may elect to enroll in Optional Dependent Life for your eligible dependents, including your legally married spouse and dependent children up to age 19 (up to age 25 if they are full-time students). The insurance is offered at $5,000, $10,000 and $15,000 increments.

Enrolling in Coverage

New Hanover Regional Medical Center automatically enrolls you in Basic Life and AD&D Insurance coverage. There is no cost to you for basic coverage. However, if you wish to enroll in Supplemental Life, Spouse Life or Dependent Life Insurance coverage, you must enroll during your new hire enrollment, open enrollment or following a qualifying life event. 

Evidence of Insurability

Evidence of Insurability (“EOI”) maybe required by Sun Life in certain circumstances. Sun Life will typically require that you provide information directly to them about your health or that of your spouse. In some cases, you may be required to undergo a basic physical exam. If EOI is required, it must be submitted to the insurance carrier and approved before coverage can begin.

Coverage

EOI Required if You:

Supplemental Life Insurance

  • Enroll after you first become eligible
  • Increase coverage by more than one level during Open Enrollment
  • Increase coverage to more than $500,000 during Open Enrollment

Spouse Life Insurance for your legally married spouse

  • Enroll after your dependent first becomes eligible
  • Elect more than $30,000 of coverage when first eligible
  • Increase coverage by more than one level during Open Enrollment
  • Increase coverage to more than $30,000 during Open Enrollment

 * Evidence of Insurability is not required for Dependent Life Insurance.

Rates and More Information

Beneficiary Designation

Your life insurance beneficiary is the person you choose to receive life and AD&D benefits in the event of your death. You must designate a beneficiary for your basic and supplemental term life insurance through Employee Self Service (YESS) and you can change your beneficiaries at any time. You are always the beneficiary for spousal term life insurance and/or dependent term life insurance. If your spouse also works for NHRMC, he or she cannot be covered as both an employee and a dependent. In addition, your eligible dependents may only be covered by one parent's plan.

Personal Health Statements 

If you do not sign up for supplemental life insurance when you are first eligible and you decide later to purchase it, you will be asked to provide information directly to Sun Life Financial about your general health. In some cases, you will need a basic physical exam. If needed, you will receive the appropriate form from Sun Life Financial after making your election. You must be approved by Sun Life Financial before your new coverage is effective.

Applying for a Life Claim

Contact the HR Benefits Team at 910.667.6000 for assistance with this process.

Additional Services Through Sun Life

Your insurance through Sun Life also entitles you to services for will preparation, emergency travel assistance and identity theft protection.

Online Will Preparation

Included with your life insurance is Sun Life Financial's online will preparation.

  • With 20 easy minutes, you can create a legally binding will. The program includes:
  • Step-by-step guidance on a secure website
  • Glossary of legal definitions
  • Ability to name an executor to carry out your wishes and name a guardian to care for your child(ren)
  • Ability to create a living will (for an additional fee)

Online Will Preparation Brochure

Emergency Travel Assistance

Also included with your life insurance is Sun Life Financial's emergency travel assistance. This service covers employees and their immediate family members if there is a medical emergency when traveling more than 100 miles from home. Services include:

  • Contact to pre-qualified, English speaking doctors anywhere in the world
  • Medical consultation, evaluation and referral
  • Emergency Medical Evacuation
  • Legal and interpreter services

Emergency Travel Assistance and Identity Theft Brochure

Identity Theft Protection

Each year, millions of Americans have their personal financial information stolen; you don't have to face it alone. Sun Life Financial also offers Identity Theft Protection. It provides:

  • 24x7 telephone support and guidance by anti-fraud experts
  • Help canceling stolen cards and reissuing new cards
  • Help notifying police, government agencies and financial institutions

Emergency Travel Assistance and Identity Theft Brochure