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Question?
No, your coverage amount will be
reduced by 75% when you attain
age 65.
Yes. No automatic reductions apply. Yes. No automatic reductions apply.
Portability
Conversion – For residents of
all states except New York
Conversion –
For residents of New York
Once you are covered,
will your coverage
amount remain
the same?
Coverage can continue until the
first of these occurs:
• You reach age 75.
• You enter active full-time duty in
the armed forces of any country.
(This does not include active duty
training for two months or less.)
• The last day for which you paid
premium.
Coverage will also terminate if the
group policy for the entire group
of people who elect Portability
terminates.
Coverage can continue with premium
payment until Scheduled Maturity
Date (age 100), at which time the
cash surrender value is paid to the
insured. As an option to receiving the
cash surrender value, coverage can
continue without further premium
payments beyond age 100.
Coverage does not terminate if you
enter active military service, and
Conversion coverage does not
include a war exclusion.
Coverage can continue with premium
payment until Scheduled Maturity
Date (age 100) at which time cash
surrender value is paid to insured.
Coverage does not terminate if you
enter active military service, and
Conversion coverage does not
include a war exclusion.
How long can
coverage continue?
Once coverage is in force:
• You can decrease the coverage
amount to 75% or 50% of the
original amount.
• Increases are not available.
Once your coverage is in force:
• After seven years, you can
decrease the face amount. You
are not limited to selecting only
75% or 50% of the original
amount.
• Increases are not available.
Once your coverage is in force:
• After the first policy year, you can
increase or decrease the face
amount. You are not limited to
selecting only 75% or 50% of
original amount.
• Requests to increase coverage
would be subject to review and
approval of your medical history.
If you want to change
your coverage amount,
is that option available?
No, Waiver of Premium is not
available if you elect portability.
Yes. If you’re disabled and apply for
Waiver of Premium, you should elect
Conversion when your group coverage
ends. Then if you’re later approved
for Waiver of Premium, you may
surrender the Conversion policy and
your Conversion premiums will be
refunded. If you are not approved for
Waiver of Premium, you will still have
your Conversion coverage.
Yes. If you’re disabled and apply
for Waiver of Premium, you should
convert when your coverage ends.
Then if you’re later approved for
Waiver of Premium, you may
surrender the Conversion policy
and your conversion premiums will
be refunded. If you’re not approved
for Waiver of Premium, you will still
have your conversion coverage.
If your policy includes
Waiver or Premium, can
you apply for both
Waiver of Premium
and this option at the
same time?
2196-PORT 2000 Printed in U.S.A.
© 2006 The Hartford, Hartford, CT 06115
2196_port2000 10/18/06 11:24 AM Page 3