What Makes New Hampshire University Insurance Unique
New Hampshire's public universities administer a life and AD&D plan that combines a modest base benefit with a flexible rider structure. Unlike many state systems, the plan is funded by a small payroll deduction—typically 0.3% of tuition and fees—and is available to all students, staff, and faculty, regardless of residency.
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Eligibility and Enrollment Process
Enrollment is automatic for students and faculty once the semester begins; employees must opt in via the HR portal. New students receive a short informational packet in orientation, and faculty are reminded during annual performance reviews. The plan covers accidental death and dismemberment for a maximum of $25,000 and a basic life benefit of $10,000, with additional coverage up to $50,000 available for a $5.00 monthly premium.
Coverage Details and Claims Procedure
Benefits are payable to the designated beneficiary upon death or qualifying injury. Claims are filed through the university's claims office, which coordinates with the insurer. The insurer's portal allows beneficiaries to track claim status in real time. The policy includes a 30‑day waiting period for accidental injury claims, a standard industry practice.
Cost Comparison to Private Options
University‑issued plans are typically 20‑30% cheaper than comparable private policies. For example, a $25,000 AD&D rider costs $5.00 a month under the university plan versus $7.00 to $9.00 for private carriers. The cost savings are most significant for students on limited budgets.
How to Maximize Your Coverage
Students should review the beneficiary designation annually, especially after major life events. Faculty can upgrade to the higher benefit tier if they anticipate higher financial responsibilities. Additionally, many universities offer a group life insurance buy‑in for dependents at a discounted rate.
FAQs and Resources
Can I cancel the policy? Yes, students may cancel within the first 14 days of enrollment, receiving a pro‑rated refund. Faculty can terminate at any time through HR.
What happens if I transfer to another university? The policy is portable; students can transfer enrollment to another institution's plan with a 10‑day notice.
For full policy documents, visit the university's insurance portal or contact the student services office.