Life Insurance Coverage


There are several parts to the district-sponsored life insurance program:

Basic Life Summary / Basic Accidental Death & Dismemberment Summary

Eligible employees are automatically enrolled for the basic life and AD&Dinsurance coverage, which is underwritten by Hartford Life Insurance Company and provided at district expense. The death benefit is equal to your annual salary and twice your annual salary should you die in an accident. Coverage begins on the first day of the month following your first day of paid service in a monthly salaried position of half-time or more. You are strongly encouraged to designate a beneficiary by completing the following form and returning it to the Benefits Department.

The coverage includes a number of other programs which are described in the links below:

Certificate of Coverage

Employee Beneficiary Designation Guide

Beneficiary Form

Funeral Planning and Concierge Service

Estate Guidance

Travel Assistance with ID Theft Coverage


Supplemental Life Summary
Supplemental employee life insurance is available on a self-pay basis through payroll deduction and can be purchased at any time. This coverage is underwritten by Hartford Life Insurance Company. Employees may purchase up to the lesser of five times annual salary or $400,000. If application is made within 31 days of the date you first became eligible for coverage, a guaranteed minimum amount will be issued without evidence of good health. For more than the guaranteed minimum, evidence of good health acceptable to the company must be submitted. Coverage is effective the first of the month following the first payroll deduction, provided you are actively at work and required application procedures have been followed. If application is not made within 31 days of eligibility, all coverage is subject to insurance company approval.

For employees who purchase the Hartford voluntary employee coverage, spouse and/or children life insurance is also available through payroll deduction. This coverage can be applied for at the same time that application is being made for voluntary employee coverage by completing the applicable section on the enrollment form. A guaranteed minimum issue is available if application is made within 31 days of the later of the following: 1) the date you first became eligible for employee coverage, or 2) the date of your marriage or the birth of your first child (as applicable). Coverage is effective the first of the month following your first payroll deduction, provided you are actively at work and the required application procedures have been followed. If application is not made within 31 days of eligibility, all coverage is subject to insurance company approval. Please note: If your spouse is also an employee, you may have dual coverage for the voluntary life insurance coverage.

 
 
 
Voluntary Accidental Death and Dismemberment
Voluntary Accidental Death & Dismemberment Insurance (AD&D) is available on a self-pay basis through payroll deduction. Prudential Insurance Company of America underwrites this insurance. Employees may purchase insurance for themselves only or for themselves and eligible dependents at any time. The dependent benefit is a percent of the employee insurance amount for dependents covered at the time of the covered accident. Eligible employees may choose specified amounts from $50,000 to the lesser of $500,000 or ten times annual salary. A brochure describing the benefit is enclosed.
The cost per month (tenthly) for 2009 is:
  • Employee Only: $1.15 per $50,000
  • Employee and Dependents: $1.60 per $50,000
To enroll, submit a completed Voluntary Accidental Death and Dismemberment form to the district’s Employee Benefits Department. Coverage is effective the first of the month following your first payroll deduction for the insurance.
 

Questions?

 
Contact the District's Benefits Department at (619) 725 - 8130 or by e-mail at employeebenefits@sandi.net