

Full-time employees, part-time employees, and retirees are automatically provided with basic life insurance. Full-time active employees and part-time Participants in the Medical plan can elect to purchase an additional $10,000 or $50,000 in supplemental life insurance at your own expense. Active part-time employees without Medical/Vision and Dental coverage with the Plan can only elect an additional $35,000 in supplemental life insurance. You can download a supplemental life insurance form to complete and submit.
Your designated beneficiary will receive a lump-sum benefit upon your death. It would help if you were covered by the Health & Welfare Plan for your designated beneficiary to receive this benefit.
The Plan also provides an additional benefit to active employees for accidental death or dismemberment. You may also be eligible to receive up to half of your life insurance benefits if you are terminally ill.
The amount of the benefit that your beneficiary is eligible to receive is based on your work status and the other coverage you have, as shown in the chart below.
Your Work Status | Life Insurance Benefit | Accidental Death Benefits | Available Supplemental Life Insurance |
---|---|---|---|
Active Full-Time Employees | $50,000 | $50,000 | Without 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 | $50,000 | Without 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 | $25,000 | None | $35,000 |
New Service Employees | $20,000 | None | None |
Retired Employees | $10,000 | None | None |
Widows and Dependents | None | None | Without evidence of insurability, $25,000. With proof of insurability, up to 50% of the member’s amount. |
Dependents | None | None | $5,000 or $10,000 up to age 25. Coverage terminates at age 26. |
- Supplemental Life Insurance Exclusion
- Accidental Death & Dismemberment Exclusions
- Life Insurance: Conversion Option for You
- Designating a Beneficiary
Supplemental Life Insurance Exclusion
The supplemental life benefit is not payable if you commit suicide within two years of obtaining the coverage.
Accidental Death & Dismemberment Exclusions


The accidental death and dismemberment benefit is not payable 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 ends, you may have the option to buy an individual policy from the insurance carriers. This is called the “option to convert.” You have the option to convert when your life insurance ends because:
- You’re no longer in an eligible class
- Your employment ends
- The group policy ends, or the group policy is amended to end life insurance for your eligible class, provided you have been insured for at least five years
If you die within 31 days after your life insurance ends, proof of your death must be sent to the Health & Welfare Plan. If approved, your designated beneficiary will receive the amount of life insurance you were entitled to convert.
Designating a Beneficiary
You may choose anyone to be the beneficiary for your life insurance/accidental death insurance benefit. This person’s name must be on file with the Health & Welfare Plan to be valid. You may also choose different beneficiaries for your basic life insurance and supplemental life insurance. Make sure your beneficiary designations are up to date. To make any changes, contact the Health & Welfare Plan.