Life Insurance

 
 

Coverage

Life Brochure

 

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 $200,000. 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 $250,000 in supplemental coverage without medical questions ($500,000 with medical questions) if enrolling when first eligible.  You can increase your coverage each year by $10,000 ($50,000 during 2017 open enrollment only) without medical questions.  Spouse and Child coverage also available. 
  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.

Cost

Basic Life Cost = $0.09 per $1,000 in coverage per month for 2018-2022

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.

Child Rates

$10,000

=

$1.50/month

$15,000

=

$2.25/month

$20,000

=

$3.00/month

All your unmarried children up to age 19 and those under age 25 who are full-time students are covered for this one low rate.

 

Employee and Spouse Supplemental Rates

Age of Insured

Monthly Rate per $1,000

Additional monthly cost to add $50,000

<25

$0.050

$2.50

25-29

$0.060

$3.00

30-34

$0.080

$4.00

35-39

$0.090

$4.50

40-44

$0.120

$6.00

45-49

$0.200

$10.00

50-54

$0.300

$15.00

55-59

$0.510

$25.50

60-64

$0.680

$34.00

65-69

$1.270

$63.50

70-74

$2.060

$103.00

75-79

$3.560

$178.00

80+

$5.370

$268.50

Forms

Life Form (National Insurance Services) 
 

NCPERS Enrollment Form available through PERA/HealthSmart

Evidence of Insurability Form (Also called the Medical Questionnaire, return this form to the address in upper right corner, do not submit it with your application or to your employer)

Contact

Beth Menor
Sr. HR Advisor - Benefits
218-725-5056
Email

Sandy Kohn
Information Specialist 
218-720-1552
Email

All contacts