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
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)
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