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Life Insurance Coverage Available Through MACoHCT


The MACo Health Care Trust has switched life insurance vendors from The Standard to UNUM as of July 1, 2016.

The information provided in this section is intended as a general summary of the life insurance coverage available through the MACo Health Care Trust.  For specific information about your life insurance benefits, refer to the Certificate issued to each policyholder by UNUM.

Basic Life Insurance and AD&D – MACoHCT Paid
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A Basic Life Insurance and Accidental Death & Dismemberment (AD&D) benefit of $25,000 is provided at no cost to all eligible active employees and active county elected officials enrolled in a MACoHCT medical plan.

Additional Basic Life Insurance and AD&D – Employer Paid
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Your employer may have elected to purchase additional coverage for all eligible active employees and active county elected officials regardless of enrollment in a medical plan. Your employers may also have elected to purchase spouse and dependent children Life Insurance and AD&D coverage in the amount of $10,000. Please contact your human resource or payroll department to find out if this coverage is available to you, or contact the MACo Health Care Trust.

Voluntary Life Insurance and AD&D – Employee Paid
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Eligible active employees and active county elected officials may elect to purchase coverage in increments of $10,000 to the lesser of $500,000 or 4 times annual earnings. Guaranteed issue amount of up to $100,000 during the initial eligibility period - late enrollee rules apply. Coverage for spouses in increments of $10,000 can also be purchased up to the amount of coverage purchased by the employee or elected official with a guarantee issue of $30,000 during initial eligibility period - late enrollee rules apply. Dependent child(ren) Life Insurance and AD&D in the amount of $10,000 can be purchased for a flat monthly rate. For additional information, click here to download the Guaranteed Issue flyer.

Additional Benefits

All Life Insurance and AD&D coverage provided by UNUM through MACoHCT also include Interest Bearing Retained Asset Accounts, Education Benefits, Seat Belt Benefits, Air Bag Benefits.