Life Insurance & ADPL
Employer-paid basic life insurance with coverage for accidental death or personal loss (ADPL) is provided to all McClatchy benefit-eligible employees. Employees may also purchase additional life insurance for themselves and their eligible dependents.
McClatchy's life insurance plans, administered by The Hartford, help provide a foundation of financial protection for family if something happens to you. Life Insurance pays a benefit to your chosen beneficiary(ies) if you die and ADPL pays a benefit in addition to your life insurance if you die as the result of a covered accident or you suffer a permanent bodily injury.
Basic Life & ADPL Insurance
The company provides basic life insurance coverage of 1x salary up to $300,000 to benefits-eligible full-time employees. Salary includes base pay plus direct sales commissions.
Accidental Death and Personal Loss Coverage (ADPL) covers losses you suffer as a direct result of an accidental bodily injury. Accidental Death and Personal Loss (ADPL) coverage is provided in the same amount as the basic life insurance coverage. The life insurance and ADPL benefits are reduced to 75% of the original volume amount at age 65 and then again at age 70 to 50% of the original volume amount. The reduction will be based on the employee’s age as of the last day of the year in which they turn age 65 or age 70.
Aetna ADPL Plan will pay for personal loss such as:
- Life
- Hand or foot
- Ability to speak, hear or see
- Ability to move
- Thumb and index finger on a hand
How much the insurance pays dependents on the severity of the injury. More information on ADPL coverage is available under Plan Documents.
In accordance with IRS regulations, the value of company-paid life insurance in excess of $50,000 must be included as imputed income for an employee and taxed accordingly.
The Summary Plan Description (SPD) is a detailed guide to what services McClatchy's Life and ADPL plans cover and how the plans work.
The Summary of Coverage (SOC) is a snapshot of McClatchy's Life and ADPL plan rules, limits and exceptions explained in easy-to-understand terms.
Supplemental Life Insurance
Employees have the option to purchase additional life insurance coverage for themselves, spouses, domestic partners, and eligible children. ADPL coverage is not available under supplemental life insurance.
Supplemental Employee Life*
Supplemental employee life insurance can be purchased in $50,000 increments up to $500,000.
Supplemental Spouse/DP Life*
Supplemental life insurance for a spouse or domestic partner can be purchased in the following amounts: $10,000, $20,000, $30,000, $50,000, $100,000, $150,000 or $250,000. The employee is always the beneficiary for Supplemental Spouse/DP Life insurance.
Supplemental Child Life
Supplemental life insurance for children can be purchased in the following amounts: $2,000, $10,000 or $20,000. Generally, children are eligible for Supplemental Child Life insurance until they turn 26. See our child eligibility page for more details. The employee is always the beneficiary for Supplemental Child Life insurance.
* You may be required to complete the Evidence of Insurability (EOI) process when newly enrolling in or increasing supplemental life insurance above certain levels. However, upon initial eligibility, new hires (or any newly eligible employees and spouse/DP) may elect up to $250,000 in employee supplemental life insurance and up to $50,000 in spouse/DP supplemental life insurance without providing Evidence of Insurability (EOI).
Employee, Spouse/DP Rates (cost per $1,000 in coverage)
| Age | Rate |
| Under 25 | $0.023 |
| 25-29 | $0.028 |
| 30-34 | $0.037 |
| 35-39 | $0.042 |
| 40-44 | $0.047 |
| 45-49 | $0.047 |
| 50-54 | $0.114 |
| 55-59 | $0.197 |
| 60-64 | $0.303 |
| 65-69 | $0.583 |
| 70+ | $0.945 |
The supplemental life insurance benefit for employee and/or spouse/DP is reduced to 75% of the original election amount at age 65.
The supplemental life insurance benefit for the employee and/or spouse/DP is again reduced to 50% of the original election amount at age 70
The reductions will be based on the employee’s/spouse/DP’s age as of December 31st of the year they turn 65 and 70. An employee may not request an increase in coverage amount for employee or spouse/DP supplemental life insurance once the original amount has been reduced due to age.
Child supplemental life insurance is $0.064 per $1,000 of coverage.
Member Tools
The Empathy Application offers employees and beneficiaries complimentary services when submitting a claim at no extra cost. These services include grief counseling with licensed social workers, funeral planning assistance, estate administration guidance, help with closing financial accounts and subscriptions, and identity theft protection with instructions to freeze credit and safeguard a loved one's identity.
Learn more by watching the video or visiting the website.
How to Access These Services?
Visit: empathy.com/partner/hartford
Register online at join.empathy.com/hartford
Via Digital App, use Access Code: EMP-HART
Contact: hartford@empathy.com
For questions, call: 270-681-1364.
Through The Hartford, you have access to EstateGuidance® Will Services provided by ComPsych®. This free service helps you create a simple, legally binding will online, saving you the time and expense of a private legal consultation.
Through the Hartford, you have access to Beneficiary Assist® counseling services provided by ComPsych.
Beneficiary Assist provides you, your eligible beneficiaries and immediate family members with unlimited 24/7 phone access.
This includes:
- Legal advice, financial planning and emotional counseling for up to one year from the date the claim is filed.
- Up to five face-to-face sessions* or equivalent professional time for one service or a combination of services.
If you are covered by The Hartford and you need pre-trip information, emergency medical assistance or personal assistance services while traveling, you can contact Generali Global Assistance.
With a local presence in 200 countries and territories around the world and numerous 24/7 assistance centers, they are available to help you anytime, anywhere.
Losing a loved one is one of life’s most shocking experiences. To help you through this difficult time, you can access The Hartford’s Funeral Concierge Services. This service helps you make confident, informed decisions, understand your options, and stay within budget at a difficult time.
Click here to learn more about The Hartford's Funeral Concierge Services.
Life Insurance & ADPL FAQ
Basic insurance is guaranteed issue coverage – it is available without having to provide information about your health.
If you are newly eligible and elect an amount that exceeds the guaranteed issue amount of $250,000, you will need to provide evidence of insurability that is satisfactory to The Hartford before the excess can become effective. If you were previously eligible and are electing coverage for the first time or electing to increase your current coverage, you will need to provide evidence of insurability that is satisfactory to The Hartford before coverage can become effective.
For your spouse coverage, if you are newly eligible and elect an amount that exceeds the guaranteed issue amount of $50,000, your spouse will need to provide evidence of insurability that is satisfactory to The Hartford before the excess can become effective. If you were previously eligible and are electing coverage for the first time or electing to increase your spouse's current coverage, your spouse will need to provide evidence of insurability that is satisfactory to The Hartford before coverage can become effective.
For your child(ren)'s coverage, this insurance is guaranteed issue coverage – it is available without having to provide information about your child(ren)’s health.
AD&D is available without having to provide information about your health.
McClatchy pays 100% of the premium for your (employee) basic coverage.
Premiums for supplemental coverage are in the rates drop down under supplemental coverage. You have a choice of coverage amounts. You may elect supplemental insurance for you only, or for you and your dependent(s).
Premiums will be automatically paid through payroll deduction, as authorized by you during the enrollment process. This ensures
you don’t have to worry about writing a check or missing a payment.
McClatchy will automatically enroll you for your (employee) basic coverage and you must designate a beneficiary.
You may enroll in supplemental coverage during any scheduled enrollment period or when you have a qualifying life event. More information on qualifying life events can be found on our What to do when… page
Contacts
- To File a Claim: 1-888-563-1124
- Group #: 805211
The Hartford Language Services
Servicios lingüísticos | Lus pab
Dịch vụ ngôn ngữ | 语言服务
888-563-1124