Hartford FT - Basic Life - Definitions



Active Employee means an employee who works for the Employer on a regular basis in the usual course of the Employer’s business. This must be at least the number of hours shown in the Schedule of Insurance.

Actively at Work means at work with Your Employer on a day that is one of Your Employer’s scheduled workdays. On that day, You must be performing for wage or profit all of the regular duties of Your job:

  1. in the usual way; and
  2. for Your usual number of hours.

We will also consider You to be Actively At Work on any regularly scheduled vacation day or holiday, only if You were Actively At Work on the preceding scheduled work day.

Employer means the Policyholder.

Non-Contributory Coverage means coverage for which You are not required to contribute toward the cost. Non-Contributory Coverage is shown in the Schedule of Insurance.

Normal Retirement Age means the Social Security Normal Retirement Age under the most recent amendments to the United States Social Security Act. It is determined by Your date of birth, as follows:

Year of Birth
1937 or before
1943 through 1954
1960 or after
Normal Retirement Age
65 + 2 months
65 + 4 months
65 + 6 months
65 + 8 months
65 + 10 months
66 + 2 months
66 + 4 months
66 + 6 months
66 + 8 months
66 + 10 months

Physician means a person who is:

  1. a doctor of medicine, osteopathy, psychology or other legally qualified practitioner of a healing art that We recognize or are required by law to recognize;
  2. licensed to practice in the jurisdiction where care is being given;
  3. practicing within the scope of that license; and
  4. not Related to You by blood or marriage.

Prior Policy means the group life insurance Policy carried by Your Policyholder on the day before the Policy Effective Date and will only include the coverage which is transferred to Us.

Related means Your spouse, or other adult living with You, or Your sibling, parent, step-parent, grandparent, aunt, uncle, niece, nephew, son, daughter, or grandchild.

The Policy means the policy which We issued to the Policyholder under the Policy Number shown on the face page.

We, Us or Our means the insurance company named on the face page of The Policy.

You or Your means the person to whom this certificate is issued.