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Supplemental Death Benefits

Supplemental death benefits offer you the opportunity to provide your eligible survivors with death benefits at the time of your death beyond those provided under the Death and Disability Plan. You can also apply for supplemental death benefits for your spouse and dependent children.

Who's Eligible

You must be enrolled in the Death and Disability Plan to apply. You must maintain active, disabled, or transitional participation coverage status to continue to be eligible. Employers must offer this benefit consistently in a non-discriminatory way across benefit groups.

If you are eligible, you can apply for coverage for your spouse and eligible dependents; they can maintain their coverage until your death. You do not have to be enrolled in the Supplemental Death Benefits Plan to apply for coverage for a spouse or eligible children.

What Plan Options Are Available

There are different coverage levels available to members, spouses, and eligible dependent children.

Members

$25,000, $50,000, $75,000, $100,000,$150,000, $200,000, $250,000, $300,000

Spouses

$25,000, $50,000, $75,000, $100,000

Children

(coverage includes all eligible dependent children)

$5,000, $10,000

Medical Underwriting Requirements

If you enroll when first eligible, you may apply for $25,000 or $50,000 without medical underwriting. To apply for a higher coverage level when first eligible or for any amount during an annual enrollment period, you must present satisfactory evidence of insurability.

Evidence of insurability is always required for coverage on your spouse. However, evidence of insurability is not required for coverage on your dependent children.

Cost of Coverage

The cost of the coverage is determined by tobacco product usage, coverage level, and age. In the first year of participation, the cost is based on the participant’s age on the date that coverage begins. In subsequent years, the cost is based on the participant’s age as of January 1 of that year.

You are responsible for notifying the Board if you or your spouse’s tobacco usage changes so your rates can be adjusted appropriately. You must be tobacco free for 12 months to qualify for the lower rates.

How To Enroll

You can apply for supplemental death benefits for you and your eligible family members

  • when you first enroll in the Benefits Plan;
  • within 60 days of a qualifying life event, such as new service, a marriage or qualified domestic partnership, a change in your spouse’s benefits, the birth/adoption of a child, death of a spouse or child, or when a change in residence or work location affects benefits eligibility; and
  • when the Board offers an annual enrollment period (generally in the fall for coverage beginning January 1 of the following year).

How To Change Benefits Coverage

You can apply for, increase, decrease, or discontinue supplemental death benefits coverage for you and your eligible family members

  • when you first enroll in the Benefits Plan;
  • within 60 days of a qualifying life event, such as new service, a marriage or qualified domestic partnership, a change in your spouse’s benefits, the birth/adoption of a child, death of a spouse or child, or when a change in residence or work location affects benefits eligibility; and
  • when the Board offers an annual enrollment period (generally in the fall for coverage beginning January 1 of the following year).