Life Coverage

Teachers Health Trust provides basic life insurance to all benefits-eligible employees at no cost through Lincoln Financial Group. Please be sure to keep your beneficiary designations up to date in the THT member portal.

A life insurance death benefit is the amount of money the insurance company pays the designated beneficiaries upon the insured’s death, provided the policy was in force at the time of the incident.

• Active employees have a $50,000 basic life insurance benefit.
• Retirees have a $10,000 basic life insurance benefit.

There are no exclusions or limitations. Benefits are payable no matter the manner or cause of death. If you leave THT, Lincoln Financial Group will mail out a conversion portability packet and you can apply to convert the coverage within 31 days post-termination of active benefits.

THT members must update their beneficiaries in the THT member portal. Teachers Health Trust will only provide beneficiary information to Lincoln Financial Group.

A life insurance beneficiary is an individual, entity, trustee, or estate named by the policy owner to collect the death benefit proceeds upon the insured’s passing. There are two types of beneficiaries:

• Primary beneficiary: The first one in line to collect the death benefit upon the insured’s death.
• Contingent beneficiary: Also known as a secondary beneficiary, is the second one in line to collect the benefit if the primary beneficiary is deceased.

• Select “Life Insurance”.
• Click  “Add Beneficiary” or “Update Beneficiaries”.

• To update a current beneficiary’s contact information, click “Update Contact Information” for the appropriate beneficiary. Make your necessary changes and click “Update”.
• To update a current beneficiary’s share or add a new beneficiary, click “Update Beneficiaries”.
• To add a new beneficiary, reduce the percentage share(s) of the current beneficiaries so the total is less than 100 and click “Add New Beneficiary”.
• Enter the name, personal information, address, phone number, and percentage for each beneficiary.
• Click “Submit”
• Click “Save Changes”

• Click the ‘Done’ button when finished.

If you are a beneficiary and need to file a claim, submit a Death Certificate to Teachers Health Trust via email or mail, or drop it off at our office.

The FuneralPrep benefit is an online portal that provides a breadth of resources. Lincoln FuneralPrep can help with at-need planning or pre-planning — 24 hours a day. With many details to manage and decisions to make, the funeral planning process can be overwhelming. To help you every step of the way, Lincoln Financial is partnered with Funeral Decisions Co. to provide comprehensive planning services.

Each year many workers will be affected by a loss and many will face the overwhelming task of making funeral arrangements. FuneralPrep helps you reduce the stress and uncertainty of making rapid decisions during an emotional time.

The online portal at LincolnFuneralPrep.com/ includes a wealth of online funeral planning resources and services, including the ability to:

• Search for funeral homes: Access an interactive list of funeral homes and cemeteries around the country. You can easily find suitable providers by filtering on location, service, and budget.
• Access market information: Get a sense of your options by reviewing price ranges and service options in your selected geographic location.
  View guides and checklists: Organize your priorities, consider your options, and make informed decisions based on your preferences with our handy online guides and checklists.

Connect with a Consultant after registering for the FuneralPrep portal. Work with a funeral planning expert who is prepared to guide you through the pre-planning process and:

• Help compare options: Get help comparing pre-planning options, even if you don’t have a specific funeral home in mind.
• Provide personalized service: Work with our experts to ensure your plans reflect your wishes and meet your objectives.
• Offer objective guidance: Get guidance on planning options and various funding strategies.

LifeKeys is a comprehensive program that offers resources to help your loved ones address a range of common concerns should they experience a loss. Services include grief counseling, financial and legal advice, and support when coping with the challenges of day-to-day life.

It’s easy to access LifeKeys® services: Visit GuidanceResources.com (Web ID: LifeKeys), download the GuidanceNowSM mobile app, or call 855-891-3684.

If you’re enrolled in life or accidental death and dismemberment (AD&D) insurance, LifeKeys® gives you access to a wide range of services to help your family through life’s ups and downs, and prepare you for what’s next.

• Coping with loss
• Stress, anxiety, and depression
• Memorial planning information
• Legal Support — access to legal information on:
• Estate and probate law
• Real estate transactions
• Social Security survivor and child benefits
• Important documents for beneficiaries

• Estate planning
• Budgeting & overcoming debt
• Bankruptcy
• Investments

• Finding child care or elder care
• Financing a home, moving, and relocation
• Making major purchases
• Access Benefits

• Discounts On Shopping & Entertainment: You can save up to 60% on a variety of products and services, including electronics, health and fitness, shows, and more. Discounts are also available in the GuidanceNow mobile app.
• Help With Important Life Matters: You’ll find support tools and advice on a wide range of topics, including legal, financial, family, and career, on GuidanceResources online. Stay in the know on matters that impact your personal and professional life.
• Protection Against Identity Theft: Identity theft is widespread, and everyone is vulnerable. LifeKeys includes an online resource for information that can help you recognize and prevent identity theft — and restore your good name should your identity be compromised.
• Online Will Preparation: Creating a will allows you to make vital decisions ahead of time, like naming a guardian for your children or deciding who will receive your property and assets. Without a will, state officials distribute your estate. EstateGuidance@ offers a secure way to create and execute a will so you can rest easy.

If you are enrolled in life and/accidental death and dismemberment insurance, you and your loved ones can count on TravelConnect® services 24 hours a day, 7 days a week. For a complete list of TravelConnect® services, go to MyOnCallPortal.com and enter Group ID LFGTravel123.

• Call from US or Canada (toll free): (866) 525-1955
• Call from anywhere in the world (collect) : (603) 328-1955
• Email: mail@oncallinternational.com

You’ll have dedicated support if you face an emergency when you’re 100 or more miles from home.

• Arranging travel if you’re injured and need emergency evacuation to a medical facility
• Managing travel for a companion and/or your dependent children, including transportation expenses and accommodations of a qualified escort
• Planning and paying for a safe evacuation because of a natural disaster or a political or security threat
• Arranging transportation of a deceased traveler
• Securing emergency pet boarding and/or return and vehicle return

From planning the trip until you’re home, these TravelConnect® services can help you on your way.

• Medical record requests
• Medication and vaccine delivery
• Medical, dental, and pharmacy referrals
• Corrective lenses and medical device replacement
• Legal consultation
• Recovering lost or stolen documents or luggage
• ID recovery assistance
• Language translation services
• Destination information
• Access Benefits