Life Insurance Plan

CMH provides a basic level of life insurance benefits coverage, as well as the opportunity to enroll in additional coverage for yourself and your family.  The most life insurance you can carry on yourself is $650,000 (policy maximum).

Basic Life Insurance

CMH automatically provides you with Basic Life Insurance at no cost to you. You will receive coverage of one times your base salary. This coverage includes Accidental Death and Accidental Dismemberment (AD&D) for all work-related incidents. The Basic Life Insurance amount will double in the event of an accidental death or dismemberment. 

Supplemental Life Insurance

At hire you may enroll into any level of supplemental life insurance.  If enrolled in any level  of  supplemental life The Hartford allows employees to increase ONE level without completing an Evidence of Insurability (EOI). If you wish to enroll or increase more than one level, an EOI form is required.

Dependent Life Insurance

Four levels of coverage do not include AD&D:

Level Coverage Code Spouse Each Child
1 $5,000/$2,000 $5,000 $2,000
2 $10,000/$5,000 $10,000 $5,000
3 $20,000/$10,000 $20,000 $10,000
4 $50,000/$10,000 $50,000 $10,000

Maine State Law prohibits you from purchasing dependent life insurance at a level that exceeds 100% of your own coverage. For example, if you wish to purchase $50,000 of Dependent Life Insurance for your spouse, you must have at least $50,000 in combined Basic and Supplemental Life Insurance for yourself.

For more information, please refer to the Life Insurance Summary Plan Description (.pdf).