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Dearborn Life and Accidental Death and Dismemberment Insurance

 

​Life Insurance and Accidental Death and Dismemberment (AD&D) Insurance offered by Dearborn provides protection for your family in the event of your death or accidental injury. The County currently provides a basic level of insurance to eligible employees and your covered dependents at no cost as shown below.

 

Active Employees​

​ ​

Annual Rate of Basic Earnings:

​Life ​AD&D
​$30,000 ​​$5,000​
​ ​ ​ ​  ​ ​

​Dependent Life Insurance

​Classification ​Life1
​Spouse​ ​$5,000
​Child(ren) ​​$2,000

1Dependent Life Insurance coverage is only available for the dependents covered under your Medical Plan. All Dependent Life Insurance terminates when the employee retires.

If you die while insured for Life Insurance, or if you have an accident while insured for AD&D Insurance, and the accident results in loss, Dearborn will pay benefits according to the terms of the Group Policy after receiving proof of loss. For AD&D Insurance, loss means loss of life, hand, foot or sight which is caused solely and directly by an accident, occurs independently of all other causes, and occurs within 365 days after the accident.

Optional Term Life Insurance

 

​You have the opportunity to increase the level of your insurance at competitive group rates. You may purchase Optional Life Insurance for yourself equivalent to one, two or three times your basic annual salary or wage (at time of enrollment), up to $450,000. If your salary or wage changes, your Optional Life Insurance amount will change on the next anniversary of the plan. Any Pre-Tax Life Insurance provided under the County plans in excess of $50,000 is subject to taxation.

If you are electing to increase your optional life insurance at open enrollment, you will be required to complete an Evidence of Insurability (EOI) form.

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