Employee & Dependent Life Insurance

Employee and Dependent Life Insurance is offered through The Standard Insurance Company.

City Plans - The Standard Insurance Company 

Introduction to The Standard for City Plans                                                                

Employee Life Insurance

One times Basic Annual compensation is paid by employer at no cost to the employee.  Maximum amount of $250,000.

More information on Basic Employee Life Insurance for City Plans

Optional Employee and Dependent Life Insurance

For Employees:

One, two, three, four, or five times salary rounded to the highest $1,000.  Maximum amount of $500,000.

Age and rate information
Employee Age Premium per $1,000
Under 30 0.018
30-34 0.022
35-39 0.027
40-44 0.040
45-49 0.065
50-54 0.106
55-59 0.158
60-64 0.251
65-69 0.398
70 and over 0.811

For Dependents:

$10,000 for spouse and  $10,000 for each dependent child - bi-weekly premium $2.92.

More information on Employee Optional Life Insurance and Optional Dependent Life Insurance for City Plans

Voluntary AD&D

AD&D Insurance may be purchased in increments of $25,000 up to a maximum of $250,000 (or 10 times base annual earnings).   The AD&D Insurance coverage is available at an employee only or employee and dependent(s) level. Please see the table below for rate information:

Coverage Amount Individual Rate Family Rate
$25,000 $.35 $.55
$50,000 $.70 $1.10
$75,000 $1.05 $1.65
$100,000 $1.40 $2.20
$125,000 $1.75 $2.75
$150,000 $2.10 $3.30
$175,000 $2.45 $3.85
$200,000 $2.80 $4.40
$225,000 $3.15 $4.95
$250,000 $3.50 $5.50

More Information on Voluntary AD&D for City Plans

 

 


 

 

Police Division Plans - The Standard Insurance Company 

Introduction to The Standard for Police Division Plans        

Employee Life Insurance

One times Basic Annual compensation plus an additional $3,000 is paid by employer at no cost to the employee.  Maximum amount of $250,000.

More information on Basic Employee Life Insurance for Police Division Plans

Optional Employee and Dependent Life Insurance

For Employees:

One, two, three, four, or five times salary rounded to the highest $1,000.  Maximum amount of $500,000.

Age and rate information
Employee Age Premium per $1,000
Under 30 0.028
30-34 0.037
35-39 0.042
40-44 0.054
45-49 0.096
50-54 0.148
55-59 0.246
60-64 0.305
65-69 0.586
70 and over 0.951

For Dependents:

$10,000 for spouse and  $10,000 for each dependent child - bi-weekly premium $1.89.

More information on Employee Optional Life Insurance and Optional Dependent Life Insurance for Police Division Plans

Voluntary AD&D

AD&D Insurance may be purchased in increments of $25,000 up to a maximum of $250,000 (or 10 times base annual earnings).   The AD&D Insurance coverage is available at an employee only or employee and dependent(s) level. Please see the table below for rate information:

Coverage Amount Individual Rate Family Rate
$25,000 $.53 $.68
$50,000 $1.05 $1.35
$75,000 $1.58 $2.03
$100,000 $2.10 $2.70
$125,000 $2.63 $3.38
$150,000 $3.15 $4.05
$175,000 $3.68 $4.73
$200,000 $4.20 $5.40
$225,000 $4.73 $6.08
$250,000 $5.25 $6.75

More information on Voluntary AD&D Insurance for Police Division Plans

 

 

First Responder Line of Duty Benefit

First responders including Police Officers, Firefighters, and EMS employees are eligible for an additional $50,000 (or an additional 100% of their elected coverage, whichever is less) of the AD&D insurance benefit.

Making Life Insurance Policy Changes

City of St. Louis and Police Division employees may make changes to their life insurance policy during Open Enrollment. To make a beneficiary change, increase or decrease the amount of coverage, or to add or drop a policy, a consolidated enrollment form will need to be completed and returned to The City of Saint Louis Employee Benefits Section.

Portability Options 

Click here to find out more about portability options for The Standard Life Insurance Policies.

Life Insurance Forms

Click here for forms required for life insurance claims, applications for a waiver of premium, evidence of ensurability, and more.

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