I get life insurance through work, but can’t get any details about my policy.

My company offers basic life insurance ($50K) for every employee, and offers the option to purchase additional coverage for a small premium. I have opted to max out this coverage, totaling about $500K (I'm young and unmarried, so this is plenty for me). However, I cannot get any details on the plan. I know that a small amount is deduced from my paycheck, and I can see that my life insurance plan is listed in our HR software, but I can't get any actual documentation showing that I am actually insured, and the details of my policy.

I tried going to the insurance company's website. They have an account for me, and I can log in, but it does not show any information about my life insurance policy.

I asked HR directly about this. They stated that it's a group plan for the whole company, and even though I have chosen to voluntarily increase my coverage, there is no official document stating this. HR explicitly said there is no document showing the details of my policy.

I just want some official document from the insurance provider that states "X person is insured for Y amount with Z policy, and the policy number is XXX". But I'm being told that this doesn't exist for my policy.

My question is… Am I getting scammed? Is this real? It seems incredibly unlikely that my company is scamming me out of the ~$15 per paycheck, but I can't imagine why there is no official policy documentation unless there is actually no policy…

Any advice or recommendations on what to ask or where to go from here are greatly appreciated.

submitted by /u/irresponsiblegabe
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