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Voluntary Supplemental Life and AD&D

The District offers you the ability to purchase voluntary supplemental life insurance and accidental death and dismemberment (AD&D) coverage for yourself and your dependents. Coverage helps provide economic security for your family if you die, become disabled, or experience an injury or illness. Coverage is purchased through payroll deductions.

Open Enrollment Provisions

If you are already enrolled in employee voluntary life insurance, spouse voluntary life insurance, and/or child voluntary life insurance, you may increase your coverage by one increment ($10,000 for employee or spouse, $2,000 for child) at open enrollment, up to the guaranteed issue amount ($250,000 for employee, $20,000 for spouse, $10,000 for child). You may change your voluntary AD&D election at open enrollment.

Insurance Carrier: MetLife

Coverage Options

Employees may purchase voluntary life insurance in increments of $10,000, up to a maximum of $500,000.

Statement of Health Required: For newly hired employees when coverage amount is above $250,000; for existing active employees with any new enrollment or increase in coverage.

Employees may purchase voluntary life insurance coverage for their spouse in increments of $10,000, in an amount up to 100% of the employee's enrolled amount or $150,000, whichever is lesser.

Statement of Health Required: For newly hired employees when coverage amount is above $20,000; for existing active employees with any new enrollment or increase in coverage.

Employees may purchase voluntary life insurance for their child (or children) in increments of $2,000 up to a maximum of $10,000.

Statement of Health Required: Not applicable for newly hired employees; for existing active employees with any new enrollment or increase in coverage.

AD&D insurance provides protection to you or your beneficiaries in the case of an accidental death or serious injury. AD&D does not cover a death resulting from illness or natural causes. You may enroll at the employee only level or at a family level. Coverage is in increments of $50,000 up to a maximum of $250,000.

If you enroll at the family level, the benefit amount is a percentage of your elected amount, as follows:

Employee Only 100% of elected amount
Employee + Spouse The spouse benefit is 50% of the employee amount
Employee + Child(ren) The child(ren) benefit is 15% of the employee amount
Employee + Family (Spouse & Child(ren) The spouse benefit is 40% of the employee amount and the child benefit is 10% of the employee amount

Rates

Monthly rate per $10,000 of coverage*

Under 25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+**
$0.50 $0.60 $0.80 $1.00 $1.30 $1.90 $3.10 $5.50 $7.40 $13.90 $22.50

* Age banded rate changes take effect on the first of the month following or coinciding with the birthdate.

**Voluntary spouse life insurance terminates on the date the spouse turns 70.

Monthly Rate per $2,000 of coverage is $0.20

Monthly rate per $50,000

Employee Family
$0.95 $1.30