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Employee Benefits
Supplemental Term Life Insurance

Basic Life Insurance| Supplemental Term Life Insurance | Accidental Death & Dismemberment (AD&D)

Eligibility
Effective August 1, 2009, Minnesota Life is the carrier for the Supplemental Term Life Insurance.  Eligibility for this Insurance is governed by your Memorandum of Understanding (MOU), Exempt Compensation Plan, salary ordinance, or contract (dependent coverage is not available). Once you have met the eligibility requirements, you may enroll initially within 60 days of your date of hire, or you may wait and enroll during the annual Open Enrollment.

Plan Options
If you are eligible to participate in the plan, you may choose coverage in $10,000 increments, up to a maximum of $700,000. Coverage up to $250,000 is guaranteed and evidence of insurability (EOI) is not required. If you elect more than $250,000 coverage, you are required to complete a questionnaire which you must return to Minnesota Life.  Minnesota Life may require additional information such as, written documentation or a physical exam, and your coverage date is subject to insurance company approval. If you are denied coverage above $250,000, your Supplemental Term Life Insurance will be limited to $250,000.

Beneficiary for Supplemental Term Life Insurance
Insurance benefits will be automatically paid to your beneficiary in the following order: (1) surviving spouse, (2) surviving children, (3) your parents, (4) brothers and sisters, (5) estate. If more than one beneficiary becomes entitled to your benefits, they will share equally. To change the automatic beneficiary arrangement, you must complete the beneficiary designation form.


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Bi-weekly Cost Schedule

Your Age
Biweekly Premium Cost
Per $1000 Of Coverage*
Under 30
$0.02
30 - 34
$0.03
35 - 39
$0.03
40 - 44
$0.04
45 - 49
$0.05
50 - 54
$0.08
55 - 59
$0.15
60 - 64
$0.23
65 - 69
$0.44
70+*
$0.72

*Supplemental term life insurance coverage amount will be reduced on the date an employee reaches 70, 75, and 80. For employees who enroll and who have already reached age 70, the reduction becomes effective on the supplemental term life insurance effective date.

For reduction amounts and specific information regarding Supplemental Term Life Insurance, please refer to the Certificate of Insurance.

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How To Enroll
Enrolling is easy. Whether you are enrolling for the first time or making changes to existing coverage, you must fill out an enrollment form within 60 days of date of hire or during the annual Open Enrollment, and submit it to your Payroll Specialist.

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Special Disability Clause for Voluntary Term Life Insurance
If you are unable to engage in any occupation for profit or gain, as determined by the insurance company, you may apply for a waiver of premium without further premium payments provided the disability occurred while covered by the plan and before age 65.

The insurance company requires proof of disability within 12 months of the date total disability begins and once each year as long as the disability continues. The benefit amount continued is subject to reduction at age 70.

If you return to work for the County and want to continue coverage, you must contact your Payroll Specialist or Employee Benefits within 60 days of your return-to-work date. If your disability ends but you do not return to work for the County, you may convert the County's group plan under the same terms as a terminating County employee.

Termination of Coverage: Your voluntary term life insurance coverage will terminate if:

  • You cancel your coverage
  • You cease to be an eligible employee
  • You fail to pay your required premiums when due
  • The master contract is terminated
  • You are on an approved leave of absence for more than 12 months

Portability: If you leave or retire, you may be eligible to take your Supplemental Term Life Insurance with you and pay premiums directly to the insurance company under a separate group plan. Portable coverage must be applied for within 60 days of date of termination or retirement. Premiums will be higher than those paid by active employees.

Conversion to an Individual Policy: Once your group coverage has terminated, you may be eligible to convert your Supplemental Term Life Insurance coverage from the County's group policy to an individual policy. If your group life coverage ends, you have 60 days to convert to an individual policy with Minnesota Life, without having to complete a Personal Health Statement to show EOI.

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How To Get In Touch With Minnesota Life

If you have any questions, please call the Employee Benefits and Services Division at (909) 387-5787, your Payroll Specialist, or Minnesota Life at, 1-888-237-1838. You may also visit Minnesota Life’s website at www.lifebenefits.com.

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