Life Insurance

To help protect your financial security, the District provides you group life insurance coverage equal to your annual salary, with a minimum of $10,000, up to a maximum of $300,000 at no cost to you.

If your death is due to accidental causes (as defined by the plan), your beneficiary will receive an additional amount through the accidental death and dismemberment (AD&D) coverage which is also provided by the District. The AD&D coverage is equal to your life insurance coverage amount. AD&D coverage also provides a portion of the benefit in the event of certain accidental injuries not resulting in death.

Other Basic Life Features and Services:

• Right to convert provision, upon resignation, retirement or termination from the District
• Portability of insurance provision, upon resignation, retirement or termination from the District
• Waiver of premium, determined by Unum upon disability
• Accelerated Benefit (partial payment prior to death)
• Health Advocate Employee Assistance Program (EAP)
• Life Planning Financial and Legal Resources
• Worldwide Travel Assistance

For additional information regarding these services, please contact the District’s Business Services Department at (816) 986-1000 or by email at benefits@lsr7.net.

You may also elect to purchase an additional amount of supplemental life insurance on yourself, on a voluntary basis through payroll deduction. You may elect a benefit amount equal to one times your annual salary, to a maximum of $300,000 or an amount equal to two times your annual salary, to a maximum of $500,000. This coverage is guarantee issue if you enroll when first eligible. If you decline the coverage as a new hire and wish to enroll at a later date, medical underwriting applies and your coverage is subject to approval by Unum. Therefore, if this is your annual open enrollment period and you currently do not have the District’s supplemental life insurance, or are requesting an increase, you will need to complete an Evidence of Insurability form found on the enrollment site.

Under these policies, insurance coverage reduces by 8% at age 65; by 55% at age 70; and by 70% at age 75. Upon separation of employment, you have the right to convert and/or port your coverage on an individual basis.

You may also elect to purchase dependent life insurance for your spouse and/or your unmarried dependent child (ren), up to the age of 26, on a voluntary basis through payroll deduction. You may also elect this coverage for adult disabled children over the age of 26 however a verification form must be completed. Please contact the District’s Benefits Coordinator to obtain the verification form. The benefit available to your spouse and/or dependents is $10,000 each.

If your spouse is also employed by the District, you cannot enroll him/ her for this additional life insurance coverage. Also, only one employee can elect additional life insurance on any dependent child(ren) you may have.

There are two types of life insurance beneficiaries: Primary (First) and Contingent (Secondary).

A Primary (First) beneficiary is the person or persons who would receive your life insurance proceeds in the event of your death. You may designate more than one beneficiary however the total Primary beneficiary designated percentage must total 100%.

A Contingent (Secondary) beneficiary is the person or persons who would receive your life insurance proceeds if every Primary beneficiary is not living at the time of your death. You may also designate more than one beneficiary however the total Contingent beneficiary designated percentage must total 100%.

NOTE: Basic Life beneficiaries and Supplemental Life beneficiaries do not need to be the same. If you wish to designate a minor as your beneficiary you may want to seek legal advice.

If you do not designate a beneficiary, or if none of the beneficiaries you designated are living at the time of your death, payment will be made to your estate.

It is very important you keep your life insurance beneficiary designations current and up-to-date. Beneficiary information can be changed at any time during the year by using Employee Online.

Basic Life and AD&D and Supplemental Life Plan Summary

Life Plan Document (Certificate & SPD)