Supplemental death benefits

Supplemental death benefits coverage is an optional coverage that offers additional protection to eligible family members against an unexpected loss of income in the event of a member's death.​

Supplemental death benefits coverage provides benefits in addition to the death benefits provided under the Death and Disability Plan.

Eligible members can subscribe for one of eight coverage levels:

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

They also may apply for coverage for their spouse in the amount of

  • $25,000;
  • $50,000;
  • $75,000; or
  • $100,000;

and for their eligible dependent child(ren) in the amount of

  • $5,000; or
  • $10,000.

Eligibility

Members enrolled for death and disability benefits are eligible to apply for supplemental death benefits coverage. Those who enroll when first eligible may apply for $25,000 or $50,000 of coverage without medical underwriting.

To apply for a higher coverage level when first eligible or for any amount during an annual enrollment period, eligible members and spouses must present satisfactory evidence of insurability. Medical underwriting requirements do not apply to coverage for children.

Retirees may continue coverage they have in effect at retirement until age 70. Spouses may continue coverage until age 70, and children may continue coverage until age 26.

Cost

The cost of supplemental death benefits coverage is based on three things:

  • the member's age on the date that coverage begins (then, as of January 1 each subsequent year);
  • the level of coverage selected; and
  • the member's tobacco-use status.

The member or the employer pays for the member's supplemental death coverage, depending on the terms of employment. The member must pay the cost of coverage for a spouse and/or children with after-tax dollars. The Board of Pensions bills the employer, and the employer deducts the appropriate charges, if any, from the member's paycheck.