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Life Insurance

Life Insurance2019-06-11T08:57:26-05:00

The City of Fond du Lac is currently contracted with The Hartford to provide term life insurance and the opportunity for employees to purchase additional insurance such as additional life insurance and, in some cases, optional long-term disability insurance.


Basic & Accidental Death and Dismemberment

The City provides, at no cost to the employee, basic life and AD&D in an amount equal to 1 times your annual earnings to a maximum of $100,000 for non-exempt employees or 1.5 times your annual earnings to a maximum of $150,000 for exempt employees. Life insurance pays the employee’s beneficiary a benefit if they die while covered.

Accidental Death and Dismemberment (AD&D) insurance provides benefits due to certain injuries or death from an accident. The covered injuries or death can occur up to 365 days after that accident and the insurance pays:

  • 100% of the amount of coverage purchased in the event of accidental loss of life, two limbs, the sight of both eyes, one limb and the sight of one eye, or speech and hearing in both ears or quadriplegia.
  • 75% for paraplegia or triplegia.
  • 50% for accidental loss of one limb, sight of one eye, or speech or hearing in both ears or hemiplegia.
  • 25% for accidental loss of thumb and index finger of the same hand or uniplegia.

The total benefit for all losses due to the same accident will not be more than 100% of the coverage purchased.

The City also provides, at no cost to the employee, dependent basic life insurance in the amount of $10,000 for their spouse and $5,000 for each child. Children must be unmarried and at least 15 days old but not yet 19 years old. Unmarried children over 19 years of age may be covered if disabled and primarily dependent upon the employee for financial support. Children at least 15 days old but not yet 6 months old are limited to a reduced benefit of $250.


Optional Additional Employee, Spouse, and Child Coverage

Supplemental life and AD&D insurance follows the same guidelines but allows the employee to elect more coverage as long as they pay for the premiums of said additional coverage. This must be purchased within 31 days of hire or change in family status.

Employees can purchase supplemental life and AD&D insurance for themselves in increments of $10,000 with a maximum no higher than 5 times their annual earnings or $500,000. Supplemental life and AD&D insurance may also be purchased for an employee’s spouse, so long as the employee elected additional coverage for themselves. This comes in increments of $5,000 to a maximum of $250,000 but cannot exceed 50% of the amount of the employee’s coverage. Spouse supplemental insurance cannot be elected if they are in active full-time military service or are already covered under an employee in this policy. Child supplemental life and AD&D insurance can also be purchased in increments of $5,000 to a maximum of $10,000. Please see the benefit summary for more information.


Optional Long-Term Disability

Long-term disability insurance pays the employee a portion of their earnings if they miss time at work because of a disabling illness or injury. Employees can purchase this coverage for a benefit of 60% of their earnings to a monthly maximum of $5,000. The premiums are based on age and salary, and the coverage must be elected within 31 days of hire, change in family status, or during the annual open enrollment period. Employees purchasing coverage after the initial 31 days of hire may need to complete The Hartford’s Evidence of Insurability process. Union members are not able to purchase long-term disability insurance.