The Standard

The Standard Group Additional Life and Accidental Death and Dismemberment (AD&D) insurance can help protect your family’s finances if something happens to you.

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Life Insurance

​​​​​​​​​Life Insurance Carrier - The Standard

County-paid Term Life and AD&D insurance is $50,000. County-paid life and AD&D are provided to all benefit-eligible employees on their first day in a benefit-eligible position.

Optional Term Life & AD&D Insurance: Term Life and AD&D insurance provides a death or dismemberment benefit. Premiums are age-based and automatically increase on 5-year age bands. During Open Enrollment, employees may increase current Optional Term Life coverage by one $25,000 increment without proof of good health (if not previously declined). For increases exceeding $525,000, you can apply through The Standard with medical underwriting. Maximum coverage is $300,000.

Child Life: If enrolled in a minimum of $25,000 in Optional Term Life, children under the age of 26 can be covered for $12,500 at a fixed cost of $1.15 per pay period, regardless of number of eligible children.

Spouse/DP Life: cannot be added during open enrollment.  Can be applied for through The Standard with medical underwriting.

Increase, decrease, or waive Optional Term Life & AD&D insurance through PeopleSoft Employee Self Service.  Waiver of employee optional life will automatically cancel spouse/domestic partner and/or child life.​ 

​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.



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​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 can 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 will result in waived coverage, which cannot be reinstated.

Contact Information

Customer Service: 800-378-4668
Policyholder: Broward County Board of County Commissioners
Fax: 971-321-5994