Basic Life Insurance
Group Basic Life Insurance for benefit-eligible employees is a mandatory benefit. The District covers the costs. This provides a death benefit to the employee's beneficiary up to the amount of their annual base salary. This coverage also provides group Accidental Death & Dismemberment Insurance at one times the employee's base salary. Eligible employees must complete an enrollment and beneficiary form within 30 days of eligibility. Benefits are reduced to 50% at age 70.
Claims are only processed after an enrollment and beneficiary form has been completed. Beneficiary designations continue in effect from year to year unless a subsequent beneficiary form is completed. Beneficiary changes can be made at any time by filling out the Beneficiary Form.
Highlights of Basic Group Life Benefits
LIFE AND LONG TERM DISABILITY COVERAGE BOOKLET
Optional Life Insurance
In addition to the Basic Life/Accidental Death & Dismemberment Insurance provided by the District, eligible employees can purchase additional group insurance by enrolling in the Optional Life/Accidental Death and Dismemberment insurance. The insurance provides an additional death benefit to the beneficiary that the employee has designated, in the event of the employee's death.
You may enroll for an amount equal to one times your base annual salary (as defined by the carrier) or two times your annual base salary. At age 70 the amount of paid benefit is reduced to 50%.
The monthly premium is 14.5 cents per thousand dollars of annual base earnings (as defined by the carrier). If your earnings vary monthly, the premium will vary monthly as well. However, the insurance benefits are paid on your annual base rate (as defined by the carrier) of earnings
To guarantee eligibility, enrollment needs to be completed within the first 30 days of eligibility (usually your hire date). If you wish to enroll after your initial 30 days of eligibility, a health statement and enrollment form must be completed and accepted by the insurance company. Coverage is not guaranteed after the first 30 days of eligibility.
Dependent Life Insurance
Eligible employees can purchase Group Life Insurance. This coverage provides a flat benefit amount in the event of the death of your spouse or dependent children. The Plan offers a single monthly rate that covers your spouse and children combined. The rate is the same regardless of the number of family members. There are two levels of coverage available. The level you can purchase is determined by your base salary. Enrollment is guaranteed if purchased within 30 days of eligibility. If elected after your first 30 days of eligibility, proof of insurability and a medical questionnaire is required to determine whether coverage will be provided. For further information on rates and eligibility, please contact the Benefits Department.
Plan 1 Coverage
Plan 2 Coverage
Children live birth to 19 years
Highlights of Optional Life and Voluntary AD&D Insurance Benefits
Certificate for Life and AD&D (coming soon)
Audrey Martin via e-mail or at (425) 408-7612.