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Life & disability insurance

Life insurance

Novant Health provides 1x your base pay in life insurance at no cost to the team member. Maximum coverage amount is $1 million.

Additional supplemental life insurance can be purchased in the following increments: 1 x base pay, 2 x base pay, 3 x base pay or 4 x base pay. The maximum amount of supplemental life insurance is $500,000.

If you use open enrollment to elect supplemental life insurance, you must complete and return The Hartford's evidence of insurability (EOI) application. The Hartford will mail its EOI application to your home address and also send to your Novant Health email address. The Hartford makes all 'approve' and 'deny' decisions. Should you be approved for coverage prior to January 1, 2021, the effective date will be January 1, 2021. If your EOI application is approved after January 1, 2021, the effective date will be the date The Hartford approved you for coverage. If you have questions concerning your EOI application, please call The Hartford customer service, toll free, at 800-331-7234.

Life insurance coverage is also available for your spouse and children.

View basic life insurance summary

View supplemental life insurance summary


All benefits eligible team members, including NHMG physicians, not enrolled in a short-term disability plan (STD) will be defaulted to the STD plan that has a 30-day waiting period. This coverage will be guaranteed issue and does not require successful completion of the evidence of insurability process. STD continues to be voluntary and you pay the full cost of having the coverage.

Novant Health provides long term disability at no cost to you. The plan pays a benefit of 60% of your base pay, after a 90 day waiting period, with a maximum benefit of $15,000 per month.

View short-term disability summary

View long-term disability summary


Accidental death and dismemberment coverage is available as employee only or family coverage. Coverage options range from $25,000 to $500,000. AD&D coverage is guaranteed issue and not subject to evidence of insurability.

View AD&D summary

Additional Services

Your Life and Disability insurance comes with additional services such as funeral planning & concierge services, estate guidance, travel assistance along with other valuable services all at no cost. 

View additional services that come with your insurance plan