Life Insurance

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Protect your family’s financial security from life’s unexpected hurdles.


To help protect the financial well-being of your loved ones, Novant Health provides basic life insurance — at no cost to you. You also have the opportunity to purchase supplemental coverage.

Life and AD&D insurance plans

Basic life

Novant Health provides company-paid life insurance coverage of a specific amount that lasts throughout your employment.

Supplemental life and AD&D insurance

If you want additional coverage, you can buy supplemental life and AD&D insurance for yourself and your family.

Be sure to name a beneficiary

Designate a beneficiary (and keep it up-to-date) in order to receive the benefit paid by a life insurance. You can desginate your benefirciary in your enrollment system.

Basic Life

Novant Health provides basic life insurance to assist you and your family. This benefit is fully paid by the company and coverage is automatic — you do not need to enroll.

Benefits are equal to:

  • Basic life insurance: 1.5x your base pay, up to a maximum coverage amount of $1,000,000.

How company-paid life insurance is taxed

The IRS requires you to pay taxes on the value of any company-paid life insurance coverage over $50,000. This is called imputed income; you’ll notice it on your pay statements and your W-2.

Supplemental Life and AD&D Insurance

For more financial protection beyond Novant Health’s basic coverage, you can buy supplemental life and AD&D insurance for yourself and your family members. You can enroll as a new hire, during Open Enrollment, or if you have a qualifying life event – see instructions below. You pay the full cost of this coverage, which is provided through The Hartford.

Enroll in supplemental life and AD&D:

Work Computer

Novant Health Team Members NHRMC/PEMC Team Members
  • Step 1: From the I-Connect Homepage, select: Tools and Services > Team member services > Self service (PeopleSoft)
  • Step 2: Enter your User ID (6-digit employee ID number)
  • Step 3: Enter password (Previously created in Password Management)
  • Step 4: The Employee Service page opens. Under Main Menu, select: Self Service > Benefits > Benefits enrollment
  • Step 1: Access NHRMC facility page on I-Connect
  • Step 2: Select Infor Global HR
  • Step 3: Sign in with Okta
  • Step 4: Select "Life Event" on your Employee Home "Quick Links" page
  • Step 5: Select the "New Hire" enrollment link

Personal Computer

Novant Health and NHRMC/PEMC Team Members
  • Step 1: Go to NovantHealth.org,
  • Step 2: Select “For Team Members” at bottom of the page
  • Step 3: Select “Remote Access” in the left menu
  • Step 4: Follow steps for Novant Health or New Hanover Regional Medical Center remote access

What is AD&D insurance?

If you lose your life, sight, hearing, speech, or use of your limb(s) in an accident, AD&D insurance provides additional benefits to help keep your family financially secure. AD&D benefits are paid as a percentage of your coverage amount — from 50% to 100% — depending on the type of loss.

Supplemental life and AD&D insurance options

Who are you covering: Life insurance AD&D insurance
You Up to 5 times your base salary (maximum of $1,000,000). Coverage levels available from $25,000 to $500,000.
You and your spouse Available from $10,000 up to 1.5 times your salary and up to a maximum of $200,000 (not to exceed your coverage). Benefit will be 50% of your coverage if you cover just your spouse, or 40% of your coverage if you cover your spouse and child(ren).
You and your children (up to age 26) Available in a flat coverage amount of $5,000 or $10,000, regardless of the number of children enrolled. Benefit will be 15% of your coverage if you cover just your child(ren), or 10% of your coverage if you cover your child(ren) and spouse.

Evidence of insurability

Supplemental life insurance for you and your spouse over a certain benefit amount may require evidence of insurability (EOI), or proof of good health. You will receive more information after electing coverage if EOI is required.