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Basic life and AD&D

The City provides basic life insurance equal to $50,000 at no cost to you. Basic life is also available for your dependents in the amount of $1,000 per dependent. If you die as the result of an accident - on or off the job - your beneficiary will receive an additional benefit equal to your basic life insurance coverage amount.

Supplemental life

You can also purchase supplemental coverage for yourself, your spouse and/or your dependent children. You must elect supplemental life for yourself in order to elect it for your spouse and/or children. Rates are based on your and your spouse's age and whether you and/or your spouse use tobacco products.

Life Insurance at a glance

  Basic Life Supplemental Life
You $50,000
(City-paid)
$10,000 - $500,000 (in increments of $10,000)
Your spouse or qualified domestic partner $1,000 *
(City-paid)
$5,000 - $250,000 (in increments of $5,000), up to 100% of employee's supplemental life coverage amount
Your children ages 6 months to 26 years $1,000 per child*
(City-paid)
Choice of :   $10,000 per child
                     $15,000 per child
                     $20,000 per child
*You must elect this coverage and enroll your dependents in PeopleSoft in order to have it provided for you.

Adding or increasing coverage

During annual enrollment, you may increase your supplemental life coverage by $10,000, up to the guaranteed issue limit of $250,000, without answering any medical questions. If you add coverage or make any other changes to your or your spouse's supplemental life coverage, you must provide proof of good health and have it approved by Minnesota Life before any increase in coverage is effective. Proof of good health is not required for child life insurance.

If you are newly eligible and wish to elect more than the guarantee issue amount of $250,000 in coverage for yourself (or more than $50,000 for your spouse), you and/or your spouse will be required to provide proof of good health. Your coverage over the guarantee issue amount will not be effective until your proof of good health is approved by Minnesota Life. In addition, if you decline coverage when first eligible and then elect it later, you must provide proof of good health before coverage goes into effect.