WHO DO I CONTACT FOR ADDITIONAL DETAILS ON THE LIFE AND AD&D BENEFIT THROUGH CHT OR IF I NEED TO FILE A CLAIM?
Contact the CHT administrative offices at (303)428-5586 or 1-888-221-2201.
WHAT ARE THE EXCLUSIONS THAT ARE APPLICABLE TO THE AD&D BENEFIT?
Please refer to page 91 of your Summary Plan Description for a list of Exclusions.
HOW MUCH AD&D COVERAGE DO I HAVE AS AN EMPLOYEE (NO COVERAGE FOR SPOUSE OR DEPENDENTS)?
Your coverage varies depending on if your medical policy is paid on a monthly contribution or Hour Bank approach through your employer. You are covered under the policy as an employee, however your spouse and dependents are not covered by the AD&D portion of the policy. Please refer to the Life Insurance and Accidental Death and Dismemberment section of your Summary Plan Description beginning on page 89.
WHO IS THE BENEFICIARY OF THE LIFE INSURANCE BENEFIT UPON DEATH?
The Employee designates the Beneficiary of the Life Insurance benefit. The Beneficiary will be the person(s) named in writing to receive any amount of the insurance payable due to a death. Please refer to page 90 of your Summary Plan Description for more information related to Beneficiary for Life Insurance.
IS THERE ANY ADDITIONAL OPTIONAL LIFE INSURANCE COVERAGE AVAILABLE IF I DECIDE TO PAY ADDITIONAL FOR IT?
Not at this time. Your employer may have optional Life coverage available through separate policy (not through CHT).
IS EVIDENCE OF INSURABILITY REQUIRED FOR LIFE INSURANCE?
No. You are accepted on the day your coverage becomes effective.
AT WHAT AGE CAN I COVER MY DEPENDENT CHILDREN FOR THE LIFE INSURANCE BENEFIT?
Children are covered from 14 days of age up to age 19 (age 24 if a fulltime student).
HOW MUCH LIFE INSURANCE COVERAGE DO I HAVE (MYSELF AND DEPENDENTS)?
Your coverage varies depending on if your medical policy is paid on a monthly contribution or Hour Bank approach through your employer. The coverage is also specific to Employee, Spouse and Child. Please refer to the Life Insurance and Accidental Death and Dismemberment section of your Summary Plan Description beginning on page 89.
WHEN IS MY LIFE INSURANCE AND AD&D COVERAGE EFFECTIVE?
Your coverage is in effect on the same day as your medical coverage.
WHO IN MY FAMILY IS COVERED FOR LIFE AND AD&D INSURANCE COVERAGE?
You are covered for Life Insurance as an employee and dependents are also covered under the policy. Only employees are provided coverage for AD&D benefits (no coverage for spouse or dependents).
IS GROUP LIFE INSURANCE OR ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) OFFERED THROUGH CONTRACTORS HEALTH TRUST(CHT)?
Yes. Group Life insurance and AD&D coverage is automatically included as part of your CHT medical coverage.
