Supplemental death benefits

Supplemental death benefits ensure loved ones receive additional protection above the amounts provided under the Death and Disability Plan or group term life coverage.​

Supplemental death benefits offer coverage in addition to the death benefits provided under the Death and Disability Plan or group term life coverage. This supplemental coverage enables eligible members to increase the income security they provide for their families.

Coverage details

Eligible members may apply for supplemental death benefits coverage for themselves, their spouses, and/or their eligible dependent children at one of the following coverage levels.

​Members​Spouses​Child(ren)*
​$25,000​​$25,000​​$5,000
​​$50,000​​​$50,000​​​$10,000
​$75,000​​$75,000
​$100,000​​$100,000
​$150,000
​$200,000
​$250,000
​$300,000

Read more details about using these benefits.

*As of January 1, 2020, available coverage levels for children will increase to $10,000 and $20,000.  

Eligibility to participate

Members enrolled in the Death and Disability Plan or group term life coverage are eligible to apply for supplemental death benefits coverage when first eligible or during annual enrollment each year. Those who enroll when first eligible may apply for $25,000 or $50,000 of coverage without medical underwriting (without providing a health statement).

Read more details about eligibility.

Costs

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

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

You may choose to pay for some, none, or all of the employee’s coverage. The employee pays the cost of coverage for a spouse and/or children.