BASIC LIFE AND AD&D

The City provides Basic Life insurance in the amount of $50,000 to all full-time, benefits eligible employees at no cost.  If you die as the result of an accident - on or off the job - your beneficiary will receive an additional benefit equal to your basic life insurance coverage amount.

Basic Dependent Life is also available for your dependents in the amount of $1,000 per dependent. 

SUPPLEMENTAL LIFE

You can also purchase Supplemental Life coverage for yourself, your spouse and/or your dependent children. You must elect Supplemental Life for yourself in order to elect it for your spouse and/or children. Rates are based on your and your spouse's age and whether you and/or your spouse use tobacco products.

If you are newly eligible and wish to elect more than the guarantee issue amount of $250,000 in coverage for yourself (or more than $50,000 for your spouse), you and/or your spouse will be required to provide proof of good health. Your coverage over the guarantee issue amount will not be effective until your proof of good health is approved by the Standard. In addition, if you decline coverage when first eligible and then elect it later, you must provide proof of good health before coverage goes into effect.

If you elect more than the guaranteed issue amount of $250,000 (or $50,000 for spouse), please click this link to complete the medical questions: MyEOI.Standard.com/170706

LIFE INSURANCE AT A GLANCE

	Basic Life	Supplemental Life
You	$50,000 (City-paid)	$10,000 - $750,000 (in increments of $10,000)
Your spouse or qualified domestic partner	$1,000 * (City-paid)	$5,000 - $250,000 (in increments of $5,000), up to 100% of employee's supplemental life coverage amount
Your children ages 6 months to 26 years	$1,000 per child* (City-paid)	Choice of : $10,000 per child $15,000 per child $20,000 per child

*You must elect this coverage and enroll your dependents in PeopleSoft in order to have it provided for you.

ADDING OR INCREASING COVERAGE

During annual enrollment, you may increase your supplemental life coverage by one increment ($10,000) up to the guaranteed issue limit of $250,000, without answering any medical questions.
You may increase your Spouse life by one increment ($5,000) up to the guaranteed issue limit of $50,000, without answering any medical questions. 
You must provide proof of good health and have it approved by The Standard before any increase in coverage is effective. Proof of good health is not required for Child Life insurance.