Life and Accident Insurance

Full-time employees, part-time employees, and retirees are automatically provided with basic life insurance coverage. Full-time active employees and part-time participants in the Medical plan have the option to purchase additional supplemental life insurance coverage of either $10,000 or $50,000 at their own expense. Active part-time employees without Medical/Vision and Dental coverage through the Plan may only choose to add $35,000 in supplemental life insurance coverage. To enroll, you can download and complete the supplemental life insurance form.

Your designated beneficiary will receive a lump-sum benefit upon your death. Coverage under the Health & Welfare Plan is necessary for your designated beneficiary to receive this benefit.

Additionally, the Plan offers an extra benefit to active employees in case of accidental death or dismemberment. If you are terminally ill, you may also qualify to receive up to half of your life insurance benefits.

The amount of the benefit your beneficiary can receive depends on your work status and other coverage you have, as outlined in the chart below.

Your Work StatusLife Insurance BenefitAccidental Death BenefitsAvailable Supplemental Life Insurance
Active Full-Time Employees$50,000$50,000Without evidence of insurability, $100,000. With proof of insurability, up to $500,000.
Active Part-Time Employees with Medical/Vision and Dental Coverage from the Plan$50,000$50,000Without evidence of insurability, $100,000. With proof of insurability, up to $500,000
Active Part-Time Employees without Medical/Vision and Dental Coverage from the Plan$25,000None$35,000
New Service Employees$20,000NoneNone
Retired Employees$10,000NoneNone
Widows and DependentsNoneNoneWithout evidence of insurability, $25,000. With proof of insurability, up to 50% of the member’s amount.
DependentsNoneNone$5,000 or $10,000 up to age 25.
Coverage terminates at age 26.

Supplemental Life Insurance Exclusion

The supplemental life benefit will not be paid out if you commit suicide within two years of acquiring the coverage.

Accidental Death & Dismemberment Exclusions

The accidental death and dismemberment benefit will not be paid out for any loss caused or contributed to by:

  • physical or mental illness or infirmity
  • infection, other than infection in an accidental wound
  • suicide, attempted suicide, or intentionally self-inflicted injury
  • service in the armed forces of any country or international authority, except the United States National Guard
  • any incident related to travel in an aircraft as a pilot, crew member, flight student, or any capacity other than a passenger
  • parachuting or exiting from an aircraft while it is in flight except for self-preservation
  • travel in an aircraft or device used for testing by any military authority
  • travel designed for travel beyond the earth’s atmosphere
  • committing or attempting to commit a felony
  • voluntary intake or use of any drug, medication, or sedative, unless it is prescribed by a Physician or an “over the counter” drug, medicine, or sedative taken as directed
  • alcohol in combination with any drug, medication, or sedative
  • declared or undeclared war, or act of war, insurrection, or rebellion
  • any loss if the injured party is intoxicated at the time of the incident and is the operator of a vehicle or other device involved in the incident. Intoxicated means that the injured person’s blood-alcohol level met or exceeded the level that creates a legal presumption of intoxication under the jurisdiction’s laws in which the incident occurred.

Life Insurance: Conversion Option for You

If your life insurance coverage terminates, you may be offered the opportunity to purchase an individual policy from the insurance carriers, known as the “option to convert.” You are eligible for this option when your life insurance terminates due to the following reasons:

  • You are no longer in an eligible class.
  • Your employment ends.
  • The group policy terminates, or it is amended to terminate life insurance for your eligible class, provided you have been insured for at least five years.

In the event of your death within 31 days after the termination of your life insurance coverage, proof of your death must be submitted to the Health & Welfare Plan. Upon approval, your designated beneficiary will receive the amount of life insurance coverage you were entitled to convert.

Designating a Beneficiary

You have the option to select anyone as the beneficiary for your life insurance/accidental death insurance benefit. However, to be valid, the name of this person must be on file with the Health & Welfare Plan. Additionally, you can designate different beneficiaries for your basic life insurance and supplemental life insurance. It’s important to ensure that your beneficiary designations are current. If you wish to make any changes, please download and complete a beneficiary form. You can then return it to our office in person or send it via email to

Download the Beneficiary PDF here.

Open Enrollment

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