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Life Insurance

It's not easy to think about, but what if you suddenly died? Could your family live without your income? Would your family be able to cover the medical expenses associated with a terminal illness or with burial and funeral expenses?

If you are a full-time employee, the City of Dallas provides you with a basic amount of Group Life insurance to help safeguard your loved ones in the event of your death. If you are a part-time employee, the cost of this insurance is shared by you and the City of Dallas.

Since every employee's needs are different, your employer also offers you the opportunity to apply for Additional Life insurance from The Standard Life Insurance Company (The Standard).

Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through the City of Dallas. Written in non-technical language, this is not intended as a complete description of the coverage. If you have additional questions, please contact The Standard at (877) 474-4250.

Eligibility

To be eligible for Basic and Additional Life:

  • You must be an active employee of the City of Dallas excluding temporary and seasonal employees, full-time members of the armed forces, leased employees and independent contractors.
  • If you are a full-time employee, you must be regularly working at least 40 hours each week.
  • If you are a part-time employee, you must be regularly working at least 20 hours each week, but less than 40 hours
  • For Additional Life, you must be insured for Basic Life.
  • For Dependents Life insurance – Your spouse/domestic partner or children must not be full-time members of the armed forces.

Employee Coverage Amounts

The City of Dallas provides a Basic Life coverage amount of $50,000 to full-time employees. If you are a part-time employee, you may elect to purchase this coverage. You must be insured for Basic Life to elect Additional Life. You may elect one of the following options for Additional Life coverage:

Option 1: 1 times your annual earnings, rounded to the next higher multiple of $1,000, if not already of multiple of $1,000. The maximum amount is $500,000.
Option 2: 2 times your annual earnings, rounded to the next higher multiple of $1,000, if not already of multiple of $1,000. The maximum amount is $500,000.
Option 3: 3 times your annual earnings, rounded to the next higher multiple of $1,000, if not already of multiple of $1,000. The maximum amount is $500,000.

Annual Enrollment

During your employer's annual open enrollment period, if you are currently enrolled in Additional Life insurance for an amount less than 3 times your annual earnings, you may elect to increase your coverage by 1 times your annual earnings without having to submit Evidence of Insurability (EOI).

If you would like to increase coverage by more than 1 times your annual earnings, not to exceed 3 times your annual earnings, the amount is subject to medical underwriting approval. To submit an Evidence of Insurability (EOI) a medical history statement online, visit: www.standard.com/mybenefits/mhs_ho.html. If you have questions, please contact The Standard at (877) 474-4250.

Dependents Life insurance for your eligible spouse and children is also available to elect. Beneficiary designation forms are located on the City of Dallas Intranet/Internet sites under the Life Insurance link.

Dependents Life Coverage Amount

You may elect Option 1 or Option 2 Dependents Life insurance for your eligible spouse and children. The amount of coverage for your spouse or children may not exceed 100 percent of your combined Basic and Additional Life coverage.

Late applications for Dependents Life insurance for your spouse will be subject to medical underwriting approval.

Option 1: $15,000 for spouse; $5,000 for children, regardless of the number of eligible dependents covered.
Option 2: $25,000 for spouse; $10,000 for children, regardless of the number of eligible dependents covered.

Eligibility

To be eligible for this plan you must be an active employee of the City of Dallas and regularly working at least 20 hours each week. An eligible employee does not include a full-time member of the armed forces, a temporary, leased, or seasonal employee, or independent contractor.

Employee Coverage Amount

You may elect Voluntary AD&D coverage in increments of $25,000 to a maximum of $250,000. However, amounts above $150,000 cannot exceed 10 times your annual earnings. The minimum amount you may elect is $25,000.

If you elect coverage for yourself, you may also elect coverage for your dependents.

Coverage Amount for Dependents

You may elect Voluntary AD&D coverage for your spouse/domestic partner and dependent children. The coverage amount for each dependent is as follows:

  • Spouse/domestic partner only; 60 percent of employee's Voluntary AD&D coverage amount.
  • Children only; 20 percent of employee's Voluntary AD&D coverage amount,. The amount of AD&D insurance for your child may not exceed $50,000.
  • Spouse/domestic partner and children; 50 percent of employee's Voluntary AD&D coverage amount for the spouse/domestic partner and 15 percent of employee's Voluntary AD&D coverage amount for each child. The amount of AD&D insurance for your child may not exceed $50,000.

Voluntary Accidental Death and Dismemberment (AD&D) Insurance

Would your family be financially prepared if you accidentally died or lost a limb? By sponsoring group Voluntary AD&D insurance from Standard Insurance Company, your employer offers you an excellent opportunity to help protect your family when they need it most. With Voluntary AD&D coverage, you or your beneficiaries, as applicable, may receive an AD&D insurance benefit in the event of death or dismemberment as a result of a covered accident.

Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through your employer. Written in non-technical language, this is not intended as a complete description of the coverage. If you have additional questions, please contact The Standard at (877) 474-4250.

Eligibility

To be eligible for this plan you must be an active employee of the City of Dallas and regularly working at least 20 hours each week. An eligible employee does not include a full-time member of the armed forces, a temporary, leased, or seasonal employee, or independent contractor.

Employee Coverage Amount

You may elect Voluntary AD&D coverage in increments of $25,000 to a maximum of $250,000. However, amounts above $150,000 cannot exceed 10 times your annual earnings. The minimum amount you may elect is $25,000.

If you elect coverage for yourself, you may also elect coverage for your dependents.

Coverage Amount for Dependents

You may elect Voluntary AD&D coverage for your spouse/domestic partner and dependent children. The coverage amount for each dependent is as follows:

  • Spouse/domestic partner only; 60 percent of employee's Voluntary AD&D coverage amount.
  • Children only; 20 percent of employee's Voluntary AD&D coverage amount,. The amount of AD&D insurance for your child may not exceed $50,000.
  • Spouse/domestic partner and children; 50 percent of employee's Voluntary AD&D coverage amount for the spouse/domestic partner and 15 percent of employee's Voluntary AD&D coverage amount for each child. The amount of AD&D insurance for your child may not exceed $50,000.

401(k) or 457(b)

Invest in your future. Enroll in the City of Dallas' 401(k) or 457(b) Plan today! It's easy to enroll.

  • All you have to do is decide how much you'd like to save
  • Then, choose investments for your contributions

Need assistance?

For help, visit www.fidelity.com/atwork to log on to Fidelity NetBenefits® or call Fidelity at 800-343-0860.

Whether your retirement is many years away or just around the corner, schedule a one-on-one consultation to:

  • Ask questions about saving for retirement and other goals
  • Evaluate investment choices that might meet your needs
  • Create an action plan to get and stay on track for retirement
  • Review retirement income options

How do I make an appointment?

Your Fidelity Workplace Planning and Guidance Consultant can provide guidance for your retirement plan. Schedule your complimentary consultation today.