4 Summer St., Rm 104, Haverhill, MA 01830 | Office Hours 8:00-4:00 | Phone (978) 374-3411 | Fax (978) 374-3422
Life Insurance and Other Insurances
This page will help you find a wealth of information to help you make the most of Haverhill Public School’s variety of insurance options to meet the needs of you and your family today and in the future.
Life Insurance and Other Voluntary Benefits Summary with LifePlus Insurance Agency.
Boston Mutual Life Insurance Company
Basic Life Insurance – A $5,000 term life insurance policy, which also includes accidental death and dismemberment, is available for the employee only. The City of Haverhill pays 50% of the premium and the employee pays 50%. The current employee premium is $3.25 per paycheck.
Voluntary Life Insurance – If you enroll in the basic life insurance, you may elect to enroll in supplemental term life insurance, which includes accidental death and dismemberment, for yourself, your spouse and child(ren). (Employee must elect coverage in order to cover spouse and/or child(ren)). No medical questions asked for coverage at or under the Guaranteed Issue Amount. The employee pays 100% of the premium. The rates for employee and spouse are based on age (5 year age bands) and how much life insurance you elect. The rate for child(ren) is a flat rate.
You must enroll within 30 days of your first day of employment. The insurance is effective the first day of the month following one month’s service. Premiums are deducted from 20 paychecks.
Boston Mutual Forms:
Boston Mutual Basic and Voluntary Life Insurance Enrollment Form
Boston Mutual Basic Life Insurance Summary Sheet
Boston Mutual Voluntary Life Insurance Summary Sheet
Boston Mutual Basic and Voluntary Life Insurance FAQ
Boston Mutual Basic and Voluntary Life Insurance Change of Beneficiary Form
Boston Mutual Voluntary Life Insurance Rate Sheet (to $500,000)
Boston Mutual Voluntary Life Insurance Rate Chart (to $150,000)
Boston Mutual Voluntary Life Insurance Evidence of Insurability Form
Boston Mutual Voluntary Life Insurance HIPAA Form
Cancer Expense Plan – You may choose individual or family policies. The policy includes an annual wellness benefits.
Critical Illness Insurance – You may choose individual or family policies. The policy offers flexible benefit levels and includes an annual wellness benefit.
Disability Insurance – This plan covers both sickness and accidents and offers flexible elimination and benefit periods.
Permanent Life Insurance – A whole life (aka universal life) insurance policy is available for yourself, your spouse and child(ren). The insurance has flexible level premiums, guaranteed cash values and guaranteed death benefits. Rates are based on age and gender.
You must enroll within 30 days of your first day of employment. The effective date of insurance for all the Allstate insurance plans is the first day of the month following one month of underwriting. The employee pays 100% of the premium. Premiums are deducted from 20 paychecks.
You will contact the LifePlus Insurance Agency at 866-511-9222 or 781-837-9222 for rates, questions and to enroll. Once enrolled, to file a claim or for questions you may contact Allstate at 800-348-4489 or allstatebenefits.com/mybenefits/
Critical Illness Insurance:
Allstate Critical Illness Insurance FAQ
Allstate Critical Illness Claim Form
Allstate Disability Insurance FAQ
Allstate Disability Claim Form
Allstate Disability Maternity Claim Form
Offers Medical Bridge Insurance, Critical Illness Insurance, Accident Insurance and Disability Insurance. Colonial Life Information Flyer
Medical Bridge Insurance – helps with out-of-pocket expenses such as deductibles, co-payments and other expenses. The insurance includes a $50.00 per covered person, per calendar year health screening benefit which can help pay for health and wellness tests you have each year. These benefits are available for you, your spouse and dependent children. Claims may be submitted online via ColonialLife.com, fax or mail. Benefits are paid directly to employees.
Medical Bridge-Health Screening Benefit
Medical Bridge-Service Guide (How to File a Claim)
Critical Illness Insurance – helps with expenses if you’re diagnosed with a covered specified disease, surgery or cancer. The insurance includes a $50.00 per covered person, per calendar year health screening benefit which can help pay for health and wellness tests you have each year. These benefits are available for you, your spouse and dependent children. Claims may be submitted online via ColonialLife.com, fax or mail. Benefits are paid directly to employees. You own this policy with no increase in premium or change in plan design and can take the coverage with you if you change jobs or retire.
Critical Illness- Health Screening Benefit
Critical Illness- Plan Information
Accident Insurance – helps offset unexpected medical expenses, such as deductibles and co-payments that can result from a fracture, dislocation or other covered accidental injury.
Accident Insurance Brochure
Disability Insurance – helps pay everyday living expenses and out-of-pocket expenses not covered by major medical plans. Provides a monthly benefit to replace your income if you are unable to work due to a covered disability.
Disability Insurance Brochure
Additional information for the Colonial Life insurance:
Colonial Life Universal Claim Form
Colonial Life Request For Service Form (Name, Address Changes, Cancel)
Colonial Life Service Guide for Policyholders
For more information, please complete the Colonial Life Interest Form or contact:
Office: (401) 596-1510