Life and accidental death and dismemberment (AD&D) insurance provide cash benefits in the unfortunate event that you or a covered family member passes away or suffers a traumatic injury. Life and AD&D insurance can offer reassurance that you, or the people you love, will have access to money to help cover expenses during a challenging time.
This coverage is provided to eligible employees and their dependents at no cost to you.
Coverage Details
| Feature | Benefit |
| Eligibility description | All Full-Time Classified Staff Employees; All Full-Time Certified Staff Employees |
| Contribution | Your employer pays the cost of your coverage |
| Employee life coverage amount | $50,000 |
| AD&D Plus coverage amount | Your enhanced AD&D coverage is equal to the life benefit amount. |
| Basic dependent life and AD&D coverage | Spouse: $5,000 Child(ren) Plan: At least 14 days to six months: $2,000, At least six months to maximum age but under 23 years if full time student: $1,000 |
| Benefit reductions | Employee: 35% reduction at age 65, and an additional 15% reduction of the original amount at age 70 Benefits end when you retire. Spouse: Benefits end at the earlier of age 70 or when you retire. Reductions are based on employee age. |
| Conversion: Allows you to continue coverage after your group plan has terminated. | Yes, with restrictions. See certificate of benefits. |
| LifeKeys® services: Access to counseling, financial, and legal support services. | Included |
| TravelConnect® services: Access to emergency medical assistance for you and your family when you’re on a trip 100 or more miles from home. | Included |
Benefit Exclusions
Like any insurance, this life and AD&D insurance policy does have exclusions. For life insurance, a suicide exclusion may apply.
For AD&D, benefits won’t be paid if death/dismemberment occurs as the result of:
- War, declared or undeclared, or any act of war
- Intentionally self-inflicted injuries, while sane or insane
- Suicide, or suicide attempt, while sane or insane
- Active participation in a riot
- Committing or attempting to commit a felony
- Disease, bodily or mental illness, or medical or surgical treatment thereof
- Infections
- Controlled substances voluntarily taken, ingested, or injected, unless prescribed or administered by a physician
- Serving on full-time active duty in the armed forces of any country or international authority
- The presence of alcohol in the covered person’s blood, which raises the presumption that the covered person was under the influence of alcohol and contributed to the cause of the accident
This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply.
Documents
Life Insurance
| Title | Download |
|---|---|
| Basic Life Benefit Summary | Preview |
| Life Insurance Enrollment Form | Preview |