Supplemental Life Insurance

Regular employees may elect to purchase Supplemental Life Insurance for themselves, their spouse or domestic partner, and dependent children up to the age of 26.


Supplemental Employee Coverage

You may apply for coverage in increments of $10,000. You may apply for a minimum of $10,000 in coverage up to 5 times your annual earnings or $500,000, whichever is less. Newly eligible employees must enroll within 30 days from their date of hire/date of becoming newly eligible to elect up to the Guaranteed Issue (GI) amount without submitting evidence of insurability. The GI amount for employees is $200,000. If you elect more than $200,000, increase your current coverage, or apply at any time other than when newly eligible, your enrollment request will be subject to additional underwriting by The Hartford.


Supplemental Spouse Coverage

You may apply for coverage for your spouse in increments of $5,000. You may apply for a minimum of $5,000 in coverage up to $250,000. Newly eligible spouses/domestic partners must enroll within 30 days from the employee’s date of hire/date of becoming newly eligible or 30 days from the date of a new marriage/domestic partnership to elect up to the Guaranteed Issue (GI) amount without submitting evidence of insurability. The GI amount for spouse/domestic partners is $30,000. If you elect more than $30,000 for your spouse/domestic partner or if you apply (or increase coverage) at any time other than when newly eligible, your enrollment request will be subject to additional underwriting by The Hartford. Note: If your spouse is also a County employee, they cannot be enrolled in Spouse coverage.


Supplemental Accidental Death and Dismemberment (AD&D)

Additional AD&D insurance can be purchased for employee or family coverage. Enrollment is anytime, up to $250k in coverage. Note: Sheriff Deputies, Sergeants, Captains, & Lieutenants can elect coverage up to $75k.


Supplemental Children Coverage

You may enroll your children in $5,000 in coverage for $.50 per month, or $10,000 in coverage for $1.00 per month. Coverage is for all of your eligible dependent children, from their date of birth to the last day of the month in which they turn 26. Children may be enrolled at any time during the year and do not need to submit evidence of good health. If you have children with another County employee, only one of you may insure that child.


Premium Contributions

Monthly premium contributions (PDF) (excluding children coverage) are based on rates, the covered individual’s age and election amount as of January 1st of each year. Premiums will automatically increase every 5 years.


Beneficiary Designations

Employees may elect beneficiary designations for all of their enrolled life insurance coverages. Employees can get more information about how to change beneficiaries on our internal HR SharePoint site.


Effective Dates

  • County Basic Life & AD&D Coverage: Enrollment is automatic and effective as follows:
    • If you are hired into an eligible position from the 1st-15th of the month, coverage begins the 1st of the following month.
      • i.e. hired 5/10/22, coverage effective 6/1/22.
    • If you are hired into an eligible position from the 16th-31st of the month, coverage begins the 1st of the next following month.
      • i.e. hired 5/25/22, coverage effective 7/1/22.
  • Supplemental Life & AD&D Coverages: Coverage begins the 1st of the month following The Hartford's approval of your enrollment request, even if the amount requested is eligible for GI amount(s). 


Certificate of Insurance

Supplemental Life Insurance Certificate of Insurance (PDF)


Contact Information

Coverage is through The Hartford Life Insurance Company:

  • Customer Service: 800-523-2233
  • Conversion & Portability: 877-320-0484
  • Claims: 888-563-1124
  • Medical Underwriting: 800-331-7234
  • Local Representative: Roslyn Ericksen | Phone: 206-292-7141 | Email Roslyn Ericksen