Life Insurance Information

Please use this Annual Enrollment period to ensure your beneficiaries are up to date.

Rutherford County provides a $50,000 Employee Basic Life and AD&D (Accidental Death & Dismemberment) insurance policy for all benefit-eligible employees at no cost to you, through The Standard. Coverage begins reducing in increments the year after you turn 70 years old. 

Additional life insurance you can enroll in:

 
Employee Supplemental Life and AD&D Insurance

You can elect additional insurance for yourself up to 5 times your salary or $750,000, whichever is less. Pricing is based on employee age. For any new or increased elections made during Annual Enrollment, you'll need to submit Medical Evidence of Insurability (MEOI) to The Standard during the benefit enrollment process. Coverage is dependent on approval by The Standard.

 
Spouse Basic Life and AD&D Insurance

Basic life insurance is available for your spouse or domestic partner in increments of $5,000, up to $30,000. Pricing is not based on age until the employee reaches age 70. For any new or increased elections made during Annual Enrollment, you'll need to submit Medical Evidence of Insurability (MEOI) to The Standard during the benefit enrollment process. Coverage is dependent on approval by The Standard.

 
Spouse Supplemental Life and AD&D Insurance

If you are enrolled in Employee Supplemental Life insurance for yourself, you can elect supplemental insurance for your spouse or domestic partner up to half of your supplemental election or $250,000, whichever is less. Pricing is based on employee age. For any new or increased elections made during Annual Enrollment, you'll need to submit Medical Evidence of Insurability (MEOI) to The Standard during the benefit enrollment process. Coverage is dependent on approval by The Standard.

 
Child Supplemental Life Insurance

You can elect $5,000 or $10,000 in life insurance for your child or children until they turn 26*. Only one policy is needed to cover multiple children, and pricing is not based on age or number of children covered. Medical Evidence of Insurability (MEOI) is not required.

*If your child is under 26 and disabled, you may be able to continue their coverage after they reach age 26. Contact [email protected] about continuing life insurance for a disabled child.

 

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