Supplemental death benefits coverage

​​Supplemental death benefits coverage offers your survivors additional protection against the unexpected loss of income if you die. These supplemental benefits are in addition to those provided under the Death and Disability Plan or group term life coverage.

Supplemental death benefits coverage is not the same as the survivor's pension or the salary continuation benefit; the benefits it provides are in addition to other death benefits provided under the plan.

Amount of benefit

If eligible, you may elect one of eight coverage levels between $25,000 and $300,000.

You may also elect between $25,000 and $100,000 of coverage for your spouse and/or $5,000 or $10,000 of coverage for your eligible children.

Enrollment

If eligible, you may apply for, increase, or discontinue supplemental death benefits coverage through Benefits Connect

  • when you first enroll in the Benefits Plan;
  • within 60 days of a qualifying life event; or
  • during annual enrollment for coverage, effective the first of the following year.

You may elect this coverage for yourself or eligible family members and are not required to elect coverage for yourself in order to elect coverage for your spouse and/or eligible children.

Evidence of insurability

When you apply for supplemental death coverage for yourself and/or your spouse, you and/or your spouse may be prompted to complete online health statements.

  • If you apply for coverage of $25,000 or $50,000 when first eligible, evidence of insurability is not required; evidence of insurability is required at any other time for all coverage amounts regardless of when enrolling.
  • Evidence of insurability is always required for your spouse, regardless of the coverage amount applied for.
  • Evidence of insurability requirements do not apply to coverage for your children.
  • If you apply for this coverage, you will be required to provide evidence of insurability for any amount if you were previously eligible for supplemental death benefits and did not enroll.

Cost/contributions

Your employer may pay some, none, or all of the cost of supplemental death benefits coverage.

Applying for and receiving benefits

Generally, when your family member or survivor reports your death to the Board of Pensions, the Board sends a Death Benefits Claim form to your spouse, beneficiary, and, when applicable, covered dependents. The Board will pay benefits once it receives a completed form, a copy of the death certificate, and any outstanding pension and/or disability overpayments, as applicable.

The Board pays supplemental death benefits to your designated beneficiaries or, if you did not designate any beneficiaries, to your spouse, eligible dependents, or estate. You are always the beneficiary for any spouse or child benefit.