The Hartford
The Harford provides Basic Life and AD&D, and Supplemental Life & AD&D (additional coverage at
employee’s expense). The basic life and AD&D rate is $0.18 per $1000 per month; supplemental
insurance costs vary with age. The Hartford reduced its rates from an apparent high of $0.25 per
$1000 per month to $0.20 in 2005 and $0.15 in 2009. Rates have remained constant since 2009.
At the City’s request, they have agreed to change our Plan Year from January to December, to July
to June, in order to align with the City’s fiscal year, and agreed to extend and guarantee current
rates beyond the upcoming December 31, 2016 expiration date until June 30, 2019.
Contracts & Rate Sheets
Administrative Services Only contracts with Anthem and Harvard are attached. The practice,
unless amended, is to rely upon the initial document, and update annually (or as needed) with the
attached rate sheets.
Similarly, The Hartford’s policy (attached) was last amended in early 2015. Presently, they seek
only for the City to acknowledge the rate guarantee presented on the attached letter addressed
to me on March 10, 2016.
