Aetna Life Insurance Company Plan H5521‑801: What It Covers and How to Enroll

What Is Aetna H5521‑801?

The Aetna H5521‑801 plan is a group term life insurance offering provided to employees of companies that partner with Aetna. It is a supplemental policy that sits on top of any base coverage and is designed to give families financial protection in the event of a death.

Coverage Details

The plan typically provides a face amount of $25,000, with the possibility of adding riders for accidental death or disability. Coverage is usually in force for the duration of employment, with a 30‑day grace period for premium payments.

Eligibility and Enrollment

Employees are automatically enrolled at the start of each fiscal year unless they opt out. New hires can enroll during the first 30 days of employment. To enroll or opt out, employees log into the company's benefits portal and select the Aetna H5521‑801 option.

Premiums and Cost

The cost is typically deducted from the employee's paycheck. The premium amount depends on the employee's age, gender, and the chosen coverage level. For a 30‑year‑old male, the monthly premium is around $15; for a 30‑year‑old female, it is approximately $12.

Claims Process

In the event of a claim, the beneficiary files a claim form with Aetna. Once the claim is validated, the death benefit is paid directly to the beneficiary's account within 30 days. The process is streamlined through the company's benefits portal.

Why It Matters

Having a reliable term life policy ensures that families can maintain their lifestyle and meet financial obligations even after a sudden loss. The H5521‑801 plan offers a cost‑effective solution for many employees.