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.
Options for additional employee and/or dependent coverages are available through:
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.
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
St. Louis County/ARC Life Insurance:
National Insurance Services/Madison National Life Life enrollment and change Form (email to the email address on the form)
National Insurances Services/Madison National Life Evidence of Insurability Form (for late entrants* only, mail to the address on the form)
PERA member Life Insurance:
NCPERS Enrollment Form
*refer to the Life Brochure under the Coverage tab or contact Beth Menor at 218.725.5056 or firstname.lastname@example.org to inquire if you are a late entrant
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.
Sr. HR Advisor - Benefits
Minnesota Benefits Association
Prudential Insurance (NCPERS)
St. Louis County Courthouse
100 North 5th Avenue West
Duluth, MN 55802