Disability and Life Insurance

Harvard offers disability benefits and life insurance to help you take care of yourself and provide for your family in the case of loss of income.

  • Some programs are provided at no cost, as long as you meet the eligibility criteria, while others are optional, with costs based your age and/or the amount of your coverage.
     
  • In addition, most employees are covered by workers’ compensation during their employment for work-related incidents causing injury or illness.

Coverage Options

Short Term Disability (STD)
Harvard provides eligible employees with STD benefits of up to 26 weeks in a 52-consecutive week period due to injury or illness. You do not need to enroll and there is no cost to you. Please refer to our STD Overview for more information.

Long-Term Disability (LTD)
LTD helps you replace your salary and protect your financial security if you are unable to work due to injury or illness for more than 180 calendar days. You must enroll in this benefit to be eligible to receive coverage. Please refer to our LTD Overview for more information.

Life Insurance
Harvard provides eligible employees with free group term Basic Life Insurance coverage equal to one-half their annual base salary. You do not need to enroll in this coverage.

You may purchase additional optional group term Supplemental Life Insurance coverage for greater coverage, and can elect from one to five times your salary (rounded to the nearest $1,000), up to a maximum of $1.25 million. You may enroll at any time with evidence of good health. If you enroll within 30 days of becoming eligible or marriage, you do not need to provide evidence of good health.

You must designate a beneficiary for your life insurance coverage. In addition, you should review your beneficiaries and update to reflect any family or personal changes. 

For more information on life insurance, please review the Health & Welfare Summary Plan Description (SPD).

If you enroll in Supplemental Life Insurance, you and your spouse/domestic partner can access free will preparation and estate resolution/probate services. Call 800-821-6400; use group number 109929. (Provided through Hyatt Legal Plans)

Harvard provides free Business Travel coverage if you die or are seriously injured or disabled as the result of an accident that occurs while you’re traveling on University business.

Long Term Care (LTC) Insurance
LTC insurance helps you and your family members pay for nursing or at-home care in case of chronic illness or physical or cognitive disability. Harvard provides access to group LTC insurance through Genworth Life Insurance Company. New employees who elect this coverage with in 30 days (and meet other eligibility criteria) do not have to provide medical history. Other family members may also be eligible to apply for LTC. Please visit Genworth Life Insurance for full details (use Group ID: Harvard; Code: groupltc).

Important Note about Long Term Care Insurance (LTC): Effective January 9, 2017 Harvard’s group long term care insurance plan features, rates and underwriting will change. To receive the current group long term care insurance plan benefits and underwriting requirements, you must apply on or before December 31, 2016. Among the changes are decreases to benefits duration, daily benefit amounts and lifetime maximum benefits as well as ending rate guarantees and new underwriting and preexisting condition provisions.

  • New employees generally have 30 days from date of hire to enroll with no medical underwriting, but must enroll no later than December 31, 2016 to receive this guaranteed acceptance.
  • Current employees who have already passed the 30 day guarantee acceptance period may enroll and will be subject to underwriting, but can still receive the current plan benefits if they enroll no later than December 31, 2016.

If you have questions regarding the plan or changes to the plan, please contact The Baker Benefit Group at 877-321-4427, ext. 104.

Workers’ Compensation
This state-mandated program provides temporary income in the event you experience a work-related injury or illness that prevents you from performing your job. No enrollment is necessary for this coverage. The third-party administrator is Cannon Cochran Management Services, Inc. Please refer to our Workers’ Compensation Overview for more information.