Life Insurance

 

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Your need for life insurance varies with your age and financial responsibilities.  Life insurance helps you bridge the gap between the financial needs of your dependents and the finances that would be available to them from other resources.




Basic Life Insurance with Cigna

SGMC offers a Basic Life Insurance plan for the employee equal to 1 & 1/2 your annual salary that is at no cost to the employee.  To be eligible for the Basic Life Insurance, you must be a benefit-eligible employee and you must have completed your benefits enrollment eligibility period (1st of the month following 30 days of employment).  The coverage is guaranteed issue for all benefit-eligible employees with a $500,000 maximum benefit.


Please refer to the Basic Life Insurance Summary Plan Document in the Quick Links section of this page for specific plan information.



Supplemental Life Insurance with Cigna

Supplemental Life Insurance is designed to give employees the option to have additional life insurance coverage beyond the covered amount with Basic Life Insurance.  Employees must be benefit-eligible and must have completed their benefits enrollment eligibility period (1st of the month following 30 days of employment).  Supplemental Life Insurance provides coverage equal to 1 or 2 times the employee’s annual salary and is available with or without AD&D (Accidental Death & Dismemberment).  To apply, you may be required to complete an Evidence of Insurability (EOI) before coverage and premiums will begin.


Please refer to the Supplemental, Child, & Spouse Life Insurance Summary Plan Document and the AD&D Coverage Option Summary Plan Document in the Quick Links section of this page for specific plan information.



Child Life Insurance with Cigna

Group Term Life Insurance is available for the employee to purchase on their children and legal dependents.  Child Life Insurance will cover each child for a $10,000 benefit amount.  Children can be covered up to age 26 and must primarily supported by the employe.  Whether you have 1 children or 5, you only pay one small monthly premium for Child Life Insurance.


Please refer to the Supplemental, Child, & Spouse Life Insurance Summary Plan Document in the Quick Links section of this page for more information.



Spouse Life Insurance with Cigna

SGMC offers two levels of Group Term Life Insurance for an employee’s spouse.  Coverage level options are $25,000 or $50,000.  To apply, you may be required to complete an Evidence of Insurability (EOI) before coverage and premiums will begin.


Please refer to the Supplemental, Child, & Spouse Life Insurance Summary Plan Document in the Quick Links section of this page for more information.



Additional Cigna Services

Cigna offers several additional services to our employees who are enrolled in the Life Insurance options!  Please see below for information on the additional services:


Cignassurance: Cigna Program for Beneficiaries

This benefit is attached to the Life and Accident Death and Dismemberment plans, this program provides financial, bereavement, and legal support for your loved ones during their time of need.  For more information, please click the Cignassurance link in the Quick Links section of this page, or visit Cignassurance.com. 


Cigna Healthy Rewards

This benefit is attached to the Life, Accident, and Disability benefits and offers a discount on a wide variety of health programs and services from acupuncture to natural supplements!  To take advantage of Healthy Rewards savings, go to Cigna.com/rewards (password: savings) or call 1.800.258.3312.  For more information, please click the Healthy Rewards link in the Quick Links section of this page.


Cigna Identity Theft Program

If you have a Cigna Group life, accident, or disability plan, Cigna’s Identity Theft program is available to help if this serious crime impacts you.  Cigna’s Identity Theft program also offers resources and education on how to identify and avoid identity theft, as well as access to free credit reports!  For more information, or if you suspect you might be a victim of identity theft, contact Cigna at 1.888.226.4567 and indicate that you are a member of Cigna Identity Theft Program and Group #57.  Please click on the Cigna Identity Theft Program link under the Quick Links section of this page for an informational flyer on this program.


Cigna Secure Travel

Cigna Secure Travel is available to those covered under Cigna’s Accidental Death & Dismemberment Plan (AD&D).  When you travel over 100 miles from home on company business or vacation, help is only a phone call away if you have an emergency.  To learn more, call 1.888.226.4567, or click on the Cigna Secure Travel Quick Link.


Cigna Will Preparation Program

Employees enrolled in a Cigna Life, Accident, and Disability benefit have access to Cigna’s free Will Preparation Program through an intuitive website with telephone support available 24-7.  To access all of the valuable tools associated with Cigna’s free Will Preparation Program, visit CignaWillCenter.com, or visit the Financial Wellness page of SGMCBenefits.com.  For an informational flyer, please visit Cigna Will Preparation under the Quick Links section of this page.



Universal Life Insurance

Taylor Insurance Services offers SGMC Employees the option to enroll in Voluntary Group Universal Life Insurance.  Please click Universal Life Insurance under the Quick Links section of this page for more information.