Life & Disability Insurance

We offer voluntary life insurance and AD&D and voluntary long-term disability.

Voluntary Life Insurance

You may choose coverage at a minimum of $10,000 and a maximum of $500,000, with a guaranteed issue limit of $150,000 for employees, $25,000 for spouses, and $10,000 for children. If you would like to apply for more than this amount, you will need to complete an Eligibility of Insurance form, which can be found in Wurk.

The maximum amount of voluntary life insurance you can enroll in as an employee is no more than five times your salary. If your spouse enrolls, the maximum amount they can enroll in is no more than 50% of the amount you enrolled in.

You may enroll in increments of $10,000 as an employee. Your spouse may enroll in increments of $5,000. If you enroll your children, you may enroll them in increments of $1,000.

Voluntary Short-Term Disability

The short-term disability program, begins when you are disabled for more than 7 days. The benefit is 60% of your weekly income, up to $1,000.

Voluntary Long-Term Disability

The long-term disability program, begins when you are disabled for more than 90 days. The benefit is 60% of your monthly income, up to $5,000.

Steps for Filing a Disability Claim:

Obtain the Correct Form:
- Use the Short-Term Disability (STD) Claim Form or Long-Term Disability (LTD) Claim Form depending on your needs.
Complete the Required Sections:
- The claim package includes four sections:
  1. Employer’s Statement: To be filled out by your employer.
  2. Employee’s Statement: You need to complete this section.
  3. Authorization to Obtain Information: Sign this section to allow KC Life to access your medical and employment records.
  4. Attending Physician’s Statement: To be completed by your treating physician.
Collect Necessary Documentation:
- Include copies of your job description.
- Provide payroll records for the relevant period.
- Attach any relevant medical records, including diagnoses and treatment details.
- For LTD claims, include details about other insurance, workers' compensation, or additional benefits you may be receiving.
Submit the Completed Form and Documents:
- Send all completed forms and attachments to the Disability Claim Office at:
  FullscopeRMS
  P.O. Box 9757
  Portland, ME 04104
  - Fax: 207-766-3448

Email: claims@yourbenefitexpert.com