Voluntary Life/AD&D

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Life Insurance

Life insurance provides your named beneficiary(ies) with a benefit in the event of your death.

Accidental Death and Dismemberment (AD&D) Insurance

Accidental death and dismemberment (AD&D) insurance provides specified benefits to you in the event of a covered accidental bodily injury that directly causes dismemberment (i.e., the loss of a hand, foot or eye). In the event that your death occurs due to a covered accident, both the life and the AD&D benefit would be payable.

Remember, it is important to designate beneficiaries for all of your insurance policies that require them. If you don’t, laws may cause death benefits to be distributed differently than you had planned, resulting in additional taxes and may unnecessarily delay the process of finalizing payment to your loved ones. You should regularly review and, if necessary, update your beneficiary designations.  You can update your beneficiaries at any time by logging into Benefit Connector (or by contacting Human Resources).

Deductions for Voluntary Life/AD&D are taken from your paycheck after taxes. Rates are available during enrollment.

Basic Life and AD&D Insurance

This benefit is provided at NO COST to you through Mutual of Omaha
Your basic life and AD&D coverage amount: $100,000
Basic Life and AD&D Insurance Plan Summary (PDF)

Supplemental Life and AD&D

If you determine you need more than the City-paid basic life/AD&D coverage, you may purchase additional coverage through Mutual of Omaha for yourself and your eligible family members.
Supplemental Life and AD&D Insurance Plan Summary (PDF)

Coverage Options

  • Employee: Increments of $5,000 up to $500,000, whichever is less; Guaranteed Issue of $200,000*
  • Spouse: Up to $250,000; Guaranteed Issue of $50,000
  • Child(ren): $10,000 or $15,000; Guaranteed Issue of $10,000

*During your initial eligibility period only, you can receive coverage up to the Guaranteed Issue amounts without having to provide Evidence of Insurability (EOI, or information about your health). Coverage amounts that require EOI will not be effective unless approved by the insurance carrier.

Voluntary Life/AD&D Rates

Rates Based On Employee/Spouse
Employee (Rate Per $1,000)
Spouse (Rate Per $1,000)
AD&D Rate: 0.02 0.02
Life Rate: Up to 24 0.05 0.05
25-29 0.06   
30-34 0.08 0.08
35-39 0.09 0.09
40-44 0.12   
45-49 0.21   
50-54 0.37 0.37
55-59 0.61 0.61
60-64 0.75   
65-69 1.31 1.31
70-74 2.06 2.06
75-79 Individually Tiered Individually Tiered
Child Life Rate (Per $1,000) 0.13 0.13

Costs shown are reflected as monthly (to calculate biweekly costs, divide by two).