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Life Insurance


The Health Benefits Trust offers life insurance, accidental death and dismemberment, supplemental life insurance, and dependent life insurance underwritten by Unum. The Health Benefit Trust’s standard life insurance benefit offers 8 benefit designs, and allows an employer to create a plan that meets its needs. Benefits are paid regardless of the cause of death. Elected officials are eligible for coverage. Benefits reduce at ages 65, 70, 75 and upon retirement.

Supplemental Life Insurance

The Health Benefits Trust offers supplemental life insurance in increments of $10,000 up to a maximum of $100,000.
For groups with at least 40% employee participation, there is no proof of insurability requirement. However, groups with less participation would be required to apply. After the initial enrollment, annual increases of $10,000 are allowable without evidence of insurability. There is no disability premium waiver. The coverage is portable upon termination of employment or retirement, unless retiree life benefits are provided. The benefits reduce at ages 65, 70 and 75 (see benefit booklet).

Dependent Life Insurance

Life insurance is available for all eligible dependents, and the amount of coverage depends on the dependent’s age. There are four available plans.