Life and Disability Insurance

Basic Life Insurance

Basic life insurance coverage is administered through Aetna at no cost to you for basic life insurance up to 2x your base salary—up to $200,000 based on your salary schedule—for all benefits eligible employees:

  • Coverage is effective on the date of hire.
  • The coverage amount automatically increases or decreases when you have a change in base salary.

Accidental Death & Dismemberment (AD&D) Insurance

Accidental Death & Dismemberment (AD&D) Insurance is administered through Aetna at no cost to you. You are automatically enrolled in AD&D coverage on your date of hire, to a maximum benefit of:

  • $10,000 for all other Employee groups
  • $15,000 for Deputy Sheriff Civilians
  • $50,000 for Police Officers, Deputy Sheriffs, Correctional Officers, Firefighters, Paramedics, and Emergency Response Technicians

This benefit is payable for death or personal loss caused by an accident on or off the job.

Supplemental Life Insurance (SLI)

This benefit applies only to police officers, firefighters, paramedics, emergency response technicians, and deputy sheriffs.

SLI is administered by Aetna and is equal to fifty (50) times the monthly salary with a maximum benefit of $300,000, which includes both basic and supplemental life insurance. SLI is 100% employer paid.

Optional Coverage Rates – Extra Life Insurance (XLI)

Administered though Aetna, employees have the option of electing extra life insurance. You pay 100% of the cost of optional life insurance. You may purchase between one and four times your base pay in XLI, up to $600,000.

However, elections of more than 3x your base salary and/or election resulting in $300,000 or more requires the completion of an Evidence of Insurability (EOI) form. The XLI premiums are based on your salary and age. This premium is deducted from the first paycheck of each month and is an after-tax deduction.

Age CategoryMonthly Factor Per $1000
Under 25$0.098
Age 25 - 29
$0.108
Age 30 - 34
$0.118
Age 35 to 39
$0.127
Age 40 to 44
$0.216
Age 45 to 49
$0.382
Age 50 to 54
$0.706
Age 55 to 59
$1.107
Age 60 to 64
$1.519
Age 65 to 69
$2.911
Age 70 to 74
$4.694

Instructions for Calculating Monthly Premium: Multiply your annual base salary by your XLI election (your choice being 1, 2, 3 or 4 times your base salary) ; round to the nearest $1,000. Divide by 1,000. Use this number to multiply the month factor for your age category. This will provide the monthly cost of your XLI.

Long-Term Disability (LTD)

All benefits-eligible employees may enroll in the Long-Term Disability (LTD) Insurance Program administered by Aetna. Long-term disability insurance provides income replacement that may be used in conjunction with your annual or sick leave. This program has a 180-day elimination period. Income is replaced at 50% or 60% percent of your base pay, reduced by deductible income. You pay the full cost of coverage the first paycheck of each month and deductions are done on an after-tax basis. This assures that any payments you receive from the program are not taxed.

Rates for 2019 


Public Safety Employees
Non-Public Safety Employees
50% of Base Pay
.00046
.00383
60% of Base Pay
.00673
.00596


Instructions for Calculating Monthly Premium: Multiply the rate times your base salary rounded to the nearest hundred. Divide the annual amount by 12 to find the monthly cost for this benefit.