Life & Disability Insurance

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

Voluntary Life Insurance

Employee Coverage

Choose from $10,000 to $500,000, in $10,000 increments.
Guaranteed Issue: Up to $150,000 the first time you are eligible for coverage (no health questions required).
Maximum coverage: 5x your annual salary.
Amounts above $150,000 require an Eligibility of Insurance Form (available in Wurk).

Spouse Coverage

Choose from $5,000 to $250,000, in $5,000 increments.
Cannot exceed 50% of your coverage.
Guaranteed Issue: Up to $25,000.

Child Coverage

Choose from $2,500 to $10,000, in $2,500 increments.
Cannot exceed 50% of your coverage.
Guaranteed Issue: Up to $10,000.

There are certain instances when you may need to complete an Evidence of Insurability form. For example, if you would like to elect coverage greater than the guaranteed issue amount, or if you would like to elect coverage after you are first eligible, please complete the Evidence of Insurability form. Follow directions on the form to complete and submit the form to United Healthcare.

Note: You automatically qualify for the Guaranteed Issue amount when you enroll the first time you are eligible for benefits. If you enroll later, or want more than the Guaranteed Issue amount, you must complete an Eligibility of Insurance Form in Wurk.

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