Navicent Life and Disability

Life Insurance

Basic Life Insurance

Atrium Health Navicent provides, at no cost to the teammate, financial support equal to one times a teammate’s base salary to be paid to the teammate's designated beneficiary.

• Eligibility: All teammates with 20 or more standard hours per pay week.
• Benefit Details
  • Basic life insurance is equal to one times the teammate’s annual base salary, with a minimum of $25,000 up to a maximum benefit of $1,000,000.
  • Teammates with a minimum of 20 standard hours per week may also purchase supplemental life insurance and accidental death and dismemberment coverage for themselves, a spouse, or children
  • Please see the full Basic Life Insurance Policy on the Summary Plan Documents page for more details i.e. rounding, age reductions 

Supplemental Teammate Life and Accidental Death and Dismemberment*

Provides additional benefit to your loved ones in the event of your death or accidental death and dismemberment.

• Carrier: New York Life
• Eligibility: Teammates with 20 or more standard hours per week
• Enrollment: Teammates may enroll when newly eligible, during the Annual Enrollment period or due to an applicable qualifying life event
• Cancellation: Teammates can cancel during the Annual Enrollment period or due to an applicable qualifying life event
• Plan Highlights:
  • Rates vary based on coverage and age
  • Coverage is portable; if you lose eligibility or employment ends

* Benefit can be increased annually by one increment without Evidence of Insurability.

Note for teammates whose spouse also works for Atrium Health Navicent:  
Our plan permits teammates and eligible dependents to only be covered once. For example: if a teammate wants to enroll their child(ren), they will need to determine which parent will carry coverage. Similarly, the teammate's spouse would not be eligible for Supplemental Spouse Life insurance coverage if they hold their own basic life insurance coverage with Atrium Health Navicent.

Supplemental Life Insurance for Spouse

Provides a benefit to you in the event of the death of your spouse. 

• Carrier: New York Life
• Eligibility: Teammates with 20 or more standard hours per week 
• Enrollment: Teammates may enroll when newly eligible, during the Annual Enrollment period or due to an applicable qualifying life event
• Cancellation: Teammates can cancel during the Annual Enrollment period or due to an applicable qualifying life event 
• Plan Highlights:
  • Teammates can cover their spouse
  • Plans range from $10,000 to $200,000 with Guaranteed Issue up to $50,000.
  • Higher policy amounts will require Evidence of Insurability
  • Coverage is convertible/portable, if you lose eligibility or employment ends

Supplemental Life Insurance for Children

Provides a benefit to you in the event of the death of your children. 

• Carrier: New York Life
• Eligibility: Teammates with 20 or more standard hours per week 
• Enrollment: Teammates may enroll when newly eligible, during the Annual Enrollment period or due to an applicable qualifying life event
• Cancellation: Teammates can cancel during the Annual Enrollment period or due to an applicable qualifying life event 
• Plan Highlights:
  • Teammates can cover their eligible children up to age 26 (must meet requirements) 
  • Four flat rate plans are offered: $5,000 - $10,000 - $15,000 - $20,000  
  • Coverage is convertible/portable, if you lose eligibility or employment ends 
  • Coverage does not require Evidence of Insurability (proof of good health) 
  • Each eligible child is enrolled for the amount elected by the teammate and one premium covers all children 

How to File a Life Insurance Claim

In the event that you need to file a life insurance claim with New York Life, you can do so by logging into www.nylgbslifeclaims.com/start and following these instructions.

Any further questions once the claim form has been submitted will need to be directed to New York Life at 800-362-4462 ext. 1013382. Should you need to submit additional information throughout the claims process, New York Life will contact you directly. Many claims process without the need to submit additional information therefore you should not be concerned if they do not contact you.  

Universal Life Insurance

Provides individual life insurance policies that grant a lump sum payment to your beneficiaries upon your death or may help close the financial gap for you and your family due to a chronic or terminal illness.

• Carrier: TransAmerica
• Eligibility: Teammates with 20 or more standard hours per week.
• Enrollment: Teammates may enroll when newly eligible or during the Annual Enrollment period
• Cancellation: Teammates may cancel their policy at any time
• Policy Highlights:
  • Accumulates cash value
  • Guaranteed tax-deferred interest rate of 3%
  • Withdrawal or loan options
  • You may insure your eligible spouse and children
  • Coverage is portable, you can take the benefit with you if your eligibility or employment ends

Disability Insurance

Short-Term Disability

For teammates experiencing an unfortunate illness and/or injury that lasts beyond 7 days, Atrium Health Navicent provides short-term disability coverage which pays eligible teammates a benefit equal to 60% of their base weekly salary after satisfying an elimination period.

• Carrier: The Hartford
• Contact and How to File a Claim
• Eligibility:
  • Full-time and part-time teammates with at least 20 standard hours per pay week
• Benefit Details:
  • Teammates may be eligible to receive payments equal to 60% of their base weekly salary up to $2,500 per week
  • Two plans offered; 15-day waiting period and 30-day waiting period
  • Please see the full STD benefit on the Summary Plan Documents page for more details  
  • Plan varies for Residents and Full-Time Physicians

Company Paid Long-Term Disability

For teammates experiencing an unfortunate illness and/or injury that has lasted beyond 180 days, Atrium Health Navicent provides company paid long-term disability coverage which pays eligible teammates a benefit equal to 60% of their base monthly salary up to $10,000 a month. 

• Carrier: New York Life 
• Eligibility: 
  • Full-Time teammates with standard work hours of at least 30 hours per week 
  • Teammates who have had at least 180 calendar days of continuous illness or injury that has prevented the teammate from working
• Benefit Details: 
  • Teammates may be eligible to receive payments equal to 60% of their base monthly salary up to $10,000 a month 
  • Benefits received are considered taxable income 
• Enrollment: Eligible teammates are auto enrolled on the first day