Life & AD&D
Lumexa Imaging provides basic coverage at no cost to you. You have the option to buy voluntary coverage for additional protection.
Life insurance pays benefits to your beneficiaries in the event of your death. AD&D insurance pays benefits if you die or are seriously injured in an accident, such as losing a limb or eyesight.
Life and AD&D coverage is administered by The Hartford.
Basic Life and AD&D coverage
Lumexa Imaging provides employees with $50,000 of Basic Life and AD&D insurance at no cost. You’re automatically enrolled.
Name your beneficiaries
Your beneficiary is the person or entity you designate to receive your life insurance benefits in the event of your death. This includes any benefits payable under Basic Life offered by Lumexa Imaging.
You may name an individual (such as a spouse or child) or a legal entity (such as a trust). When naming an individual, you’ll need to provide their full name, address, Social Security number, relationship, date of birth, and distribution percentage. Be sure to name both a primary and contingent beneficiary to make your intentions clear.
Voluntary Life and AD&D coverage
Extra coverage is available to protect you and your family. Eligible employees may purchase additional Voluntary Life and AD&D insurance.
| Coverage | Benefit amount | Guaranteed issue amount |
|---|---|---|
| Employee Life and AD&D | Increments of $10,000, up to the lesser of 5x annual earnings or $500,000 | $400,000 |
| Spouse Life | Increments of $5,000, up to $250,000; cannot exceed 50% of employee coverage | $50,000 |
| Child Life | $500 from live birth to 6 months $10,000 from 6 months to age 26 |
No evidence of insurability required |
Enroll without proof of good health
We’re also happy to share that The Hartford will allow all Lumexa employees a new opportunity to enroll in voluntary life and AD&D insurance without providing proof of good health (evidence of insurability), regardless of their previous enrollment or application history. This is especially valuable for employees who may have been denied coverage in the past due to health conditions.
Evidence of Insurability (EOI)
You’re not required to provide EOI for basic coverage or voluntary child life insurance.
If you buy voluntary coverage for yourself or your spouse, EOI is required for:
- Employee Life and AD&D: amounts over $400,000 and all annual increases
- Spouse Life: amounts over $50,000 and all annual increases
Cost for coverage
Lumexa Imaging provides basic coverage at no cost to you. You pay for voluntary Life and AD&D coverage through payroll deductions. The amount you pay depends on your age and who you cover.
How to enroll
You’re automatically enrolled in basic coverage. You can enroll in voluntary Life and AD&D coverage for yourself and your dependents during Open Enrollment through Employee Navigator , as a new hire, or if you have a qualifying life event.
Your Contacts
Life and AD&D coverage
888-563-1124