Life Insurance Carrier - The Standard
All benefit-eligible employees are provided with $25,000 in term life insurance by the County. During Open Enrollment employees may increase current Optional Term Life coverage by one $25,000 increment to a maximum of $300,000 without proof of good health (if not previously declined).
Broward County offers Group Term Life and AD&D Insurances through The Standard.
Optional Term Life Insurance
Benefit-eligible employees may elect to purchase up to an additional $300,000 of Group Term Life and AD&D insurance. Optional Life insurance is available in $25,000 increments. Rates are based on the employee's age and coverage level elected. Premiums automatically increase according to 5-year age bands.
- Optional Term Life Insurance elected during newly benefit-eligible waiting period does not require Evidence of Insurability up to the guarantee issue amount of $150,000. Amounts over the guarantee issue require Evidence of Insurability (EOI).
- Optional Term Life elected after the waiting period is subject to Evidence of Insurability and approval by The Standard.
Note: IF enrolled in Optional Term Life, each year at Open Enrollment you may increase your amount by $25,000 (up to a max of $300,000) with no Evidence of Insurability requirements.
Spouse/Domestic Partner and Child(ren) Life Insurance
Benefit-eligible employees, who purchase at least $25,000 of employee optional life insurance, may elect to purchase group term life insurance coverage on Spouse/Domestic Partner and/or dependent children (up to age 26). You must notify Employee Benefit Services once your dependent has reached age 26 to cancel the payroll deduction.
Retiree Term Life and AD&D Insurance Election
As a Broward County Retiree, you are provided the opportunity to continue your Group Term Life & AD&D Insurance coverage at a group rate. Retiree continuation of coverage is limited to the coverage you were enrolled in at the time of retirement or a lesser amount. Reduced coverage cannot be increased; terminated coverage cannot be reinstated. To keep your Term Life & AD&D insurance in retirement, you must make an election within 30 days after you retire. Failure to make an election results in waived coverage which cannot be reinstated.
Customer Service: 800-378-4668
Policyholder: Broward County Board of County Commissioners