Life Insurance

MN Suicide Policy Amendment

Life Brochure

St Louis County Standard & Supplemental Life Policy Certificate

Arrowhead Regional Corrections & Community Health Board Standard & Supplemental  Life Policy Certificate 

St. Louis County Hybrid & Supplemental Life Policy Certificate

St. Louis County Executive & Supplemental Life Policy Certificate

Arrowhead Regional Corrections Executive & Supplemental Life Policy Certificate

Basic Life

All full-time employees who have worked full time for six full calendar months or part-time employees who have worked at least 1,000 hours are eligible for Basic Life term insurance.  

Your coverage amount is one times your annual salary rounded to the next highest $1,000 or $5,000. Minimum coverage is $15,000 and the maximum is either $50,000 or $250,000. Refer to your union contract or to the management compensation plan to determine your coverage amount and to determine the certificate below that is applicable to you.  

Supplemental Life

Options for additional employee and/or dependent coverages are available through:

1. National Insurance Services  Up to $300,000 in supplemental coverage without medical questions (Six times annual salary or $500,000 with medical questions) if enrolling when first eligible.  You can increase your coverage each year by $10,000 without medical questions.  Spouse and Child coverage also available, no medical questions/underwriting for up to $30,000 in spousal coverage and $20,000 in child coverage if enrolling when first eligible.  
2. Minnesota Benefit Association (MBA). You choose who to cover and how much coverage. A health history/medical visit may be required. You can enroll or disenroll at any time.
3. Prudential Insurance Company of America to the National Conference on Public Employee Retirement Systems (NCPERS). Offered by the Public Employee Retirement Association, this plan provides coverage for you, your spouse and your children under 21. Everyone pays the same rate and the predetermined coverage amounts decrease as you age. Open enrollment each year occurs in October and November.

Basic Life Cost = $0.072 per $1,000 in coverage per month for 2023-2027

St. Louis County pays the entire basic life premium for full-time employees and a prorated portion for part-time employees. 

Employees pay the entire cost of supplemental rates below.

No Printer?  

Life enrollment and change Form (submit to the email address on the form)

Life beneficiary stand-alone form (use when you are already enrolled and only need to update your benficiary(ies))

Evidence of Insurability (EOI) (Required only when enrolling later than date first eligible or requesting coverage above the guaranteed issue amount)

EOI Submission Tips 

Life insurance proceeds cannot be paid directly to a minor. Payment will require legal documentation of the court-appointed financial guardian of the minor, which can delay the entire process. We advise that until your child is an adult, you name the adult who would be caring for your child/children as the beneficiary in the event of your death(s) or you establish a trust and list the life insurance as an asset in the trust.   

Beneficiary Guide