Life and AD&D insurance
What are the options for child life/spouse life and AD&D coverage?

If you purchase coverage for yourself, you may also buy life and AD&D coverage for your spouse and your children. The AD&D benefit matches the life benefit; AD&D is not a separate election.

If your spouse also works for the school district, you can be covered by life and AD&D or spouse life and AD&D, but not both. A child may not be insured by more than one employee.

You can elect employee coverage up to five times your annual base salary to a maximum of $600,000.

You can cover your spouse up to your coverage amount or $100,000, whichever is less. Your amount of coverage is determined by your base earnings as of January 1 of the plan year of coverage or the date you become benefits eligible, if later.

You have the following coverage options per child:

  • $5,000
  • $10,000
  • $15,000
  • $20,000

Your cost for child coverage is the same no matter how many eligible children you insure.

What’s a medical history statement or evidence of insurability (EOI)?

A medical history statement (MHS) verifies your general health and serves as your EOI for life and AD&D coverage. It verifies your general health for underwriting purposes and provides the insurance company with information to determine if you can enroll. If the provider requires EOI, you simply complete and return the form provided by the provider. Coverage that requires EOI is effective the first of the month after the company approves your EOI. If you sign up during benefits enrollment, your coverage can’t start before the new plan year begins.

Do I need evidence of insurability (EOI) to enroll for coverage?

A medical history statement verifies your general health and serves as your EOI for life and AD&D coverage. It provides the insurance company with information to determine if you can enroll.

  • If you enroll when you’re first eligible, you don’t have to submit EOI.

  • If you didn’t select coverage when you were first eligible, you must submit EOI.

  • If you have coverage, you may increase your coverage by 1x your annual base salary each year without providing EOI, up to the plan maximum of five times your annual base pay or $600,000, whichever is less.

  • If you have spouse coverage now, you may increase your spouse coverage by 1x your annual salary each year without providing EOI, up to the amount of coverage you have for yourself or the plan maximum of $100,000, whichever is less. Your spouse is not allowed to have more coverage than you do.

  • For increases greater than your 1x base salary, you or your spouse must provide EOI.

  • When the insurance company requires EOI, they provide the form. Coverage that requires EOI is effective the first of the month after the company approves your EOI.

How do I designate a beneficiary?

Information about choosing a beneficiary is available here. You can update your beneficiary information at any time during the year.

For any benefits question or concern, including 24/7 Nurse Line access, one call does it all.
Call us at 866-284-AISD (2473)