Life & AD&D Insurance

The City provides Life and Accidental Death & Dismemberment (AD&D) insurance to give you and your family financial protection and peace of mind in the event of a serious injury or death.

Coverage Highlights

• City-Funded Basic Life Insurance:

  • The City automatically provides coverage at no cost to you

  • Coverage amounts:

    • $100,000 Basic Life for each full-time employee

    • $20,000 Basic Life for your enrolled spouse/domestic partner

    • $5,000 Basic Life for each enrolled dependent child

• City-Funded AD&D Insurance:

  • The City also provides $100,000 AD&D coverage for each full-time employee

  • Pays an additional $100,000 benefit if your death is the result of an accident

  • Also pays partial benefits for certain serious accidental injuries (loss of limb, eyesight, hearing, etc.)

• Optional (Voluntary) Life Insurance:

  • You may purchase additional life insurance coverage for yourself

  • You may also elect supplemental coverage for your spouse/domestic partner and dependent children

  • Premiums are paid through payroll deductions

Costs to Employees

• The City pays the full cost of the following coverage:

  • $100,000 Basic Life and $100,000 AD&D for employees

  • $20,000 Basic Life for spouses/domestic partners

  • $5,000 Basic Life for each dependent child

• If you choose to purchase voluntary supplemental life coverage, the cost is based on:

  • Your age

  • The amount of coverage you elect

• Premiums for voluntary coverage are employee-paid and deducted post-tax from your paycheck

Accessing Your Benefits

• Elect your beneficiaries during your initial enrollment or anytime through the benefits portal

• Review your coverage amounts and update beneficiaries online or by contacting HR

• Keep your beneficiary information up to date to ensure benefits are paid according to your wishes

Tip: Review your life insurance coverage after major life events (marriage, birth of a child, etc.) to ensure your protection keeps up with your needs.