The County offers Basic Life Insurance, Supplemental Term Life Insurance, and Accidental Death & Dismemberment (AD&D) Insurance benefits. Eligibility for this Insurance is governed by your Memorandum of Understanding (MOU), Compensation Plan, Salary Ordinance, or Employment Contract. All insurance plans are insured through Minnesota Life.

Accidental Death & Dismemberment

You and your family can count on financial security in the event of accidental death or a serious injury with Accidental Death & Dismemberment Insurance.

Eligibility, Plan Options and Cost of Coverage

You can elect coverage for you and your eligible dependents. Eligibility for coverage ends for your spouse or registered domestic when they reach age 70. Children must be unmarried and coverage ends for them when they reach age 26. If you and your spouse or domestic partner are County employees you will not be able to provide dual coverage for your family under both employees.

You can choose employee only or employee, plus family coverage from the plan options listed below:

Plan OptionsEmployeeSpouse/ Domestic PartnerEach Child
1$10,000$5,000$3,125
2$25,000$12,500$6,250
3$50,000$25,000$12,500
4$100,000$50,000$25,000
5$150,000$75,000$25,000
6$200,000$100,000$25,000
7$250,000$125,000$25,000

Family Coverage Benefits

Child Care Benefit

Minnesota Life will pay additional benefits to reimburse for child care expenses for your surviving children (up to the age of 7) that were covered under you plan. The benefit for each child per year will be the lesser of:

  • 12% of your amount of insurance; or
  • $5,000; or
  • Actual incurred child care expenses

AD&D benefit does not allow for dual family coverage. The plan also provides a percentage of your accidental death insurance for specific types of accidental injury (work or non-work related). The AD&D benefit is prorated based on degree of loss. Benefits are per person enrolled and paid collectively for all losses per accident up to 100% of coverage.

Below are some examples:

  • If you accidentally lose a foot, hand, or sight in either eye, the plan will pay 50% of your coverage.
  • If you accidentally lose both, hands, or sight in both eyes, or a combination of these, or if you lose your speech and hearing, the plan will pay 100% of your coverage.

The cost for either employee only or employee, plus family coverage are listed below:

Plan OptionsEmployee OnlyEmployee + Family Coverage
1$0.09$0.14
2$0.23$0.35
3$0.46$0.69
4$0.92$1.38
5$1.38$2.07
6$1.84$2.76
7$2.30@3.45

*These costs are subject to change.

Educational and Training Benefit

An education benefit will be paid out to your surviving dependent children if:

  • At the time of death; the insured dependent child is enrolled as a full-time student at an accredited post-secondary educational institution
  • The dependent child enrolls on a full-time basis in an accredited post-secondary educational institution within one year of your death

A training benefit will be paid out to your surviving spouse/domestic partner, if within one year of the date of your death, enrolls as a full-time student in an accredited education institution or an institutional of vocational training to prepare for full-time employment.

The benefit will be equal to the lesser of:

  • $5,000; or
  • 5% of your amount of AD&D insurance; or
  • The actual costs incurred for the education or training within the first two years following the date of your death