Life Insurance

​2020 Benefits Open Enrollment:

From 10/21/19 to 11/1/19, employees will be able to elect their benefits for calendar year 2020. If you want to enroll in voluntary life insurance or change the coverage amount you already have, you will need to make these elections through the Hartford's website during Open Enrollment.

Your UserID: Your Initials followed by the last four #'s of your SSN
Your Password: Your initials followed by your date of birth (MMDDYYYY)

Example: Jane Doe was born on 01/05/1975 and has the last 4 digits of her SSN as 1, 2, 3, & 4. She has a login of jd1234 and password of jd01051975. *You will be required to reset your password during your initial login.

Basic Employer Life Insurance and AD&D

 The City of Frisco provides basic life and accidental death and dismemberment insurance at no cost to you. Enrollment is automatic. The coverage amount is $50,000 for all non-uniformed employees and $150,000 for uniformed Fire and Police employees. 

In addition, as part of the Texas Municipal Retirement System, TMRS-eligible employees have one times their annual salary of life insurance coverage. This is also known as a supplemental death benefit.

​Voluntary Life Insurance

Benefit eligible employees may elect Voluntary Life Insurance provided by The Hartford. Voluntary life benefits can be elected for the employee, the employee's legal spouse, and/or eligible dependent children up to age of 26.

Voluntary Employee Life Insurance
Voluntary employee life coverage can be up to a maximum of $250,000 in $10,000 increments. Employees in their new hire enrollment period may elect up to $250,000 without an Evidence of Insurability form (EOI). Employees who do not make this election during their new hire enrollment period will be required to submit an EOI if they choose to add or increase coverage in following years. The Hartford will reach out and contact employees who need to complete an EOI for the coverage they elect.

Spouse Life Insurance
Benefit eligible employees may elect Spouse Life Insurance provided by the Hartford. Spouse life benefits can only be elected if Voluntary Employee life insurance coverage is elected. The amount of coverage elected for Spouse life cannot exceed the amount of coverage elected for Voluntary Employee life coverage. 
Employees can elect up to $50,000 in spouse life coverage under Guaranteed Issue rules. No Evidence of insurability (EOI) form is required for amounts at or below $50,000.
However, coverage amounts between $60,000-$250,000 will require the completion of an EOI. The Hartford will reach out and contact employees who need to complete an EOI prior to approval of the amount.

To calculate the rates for Voluntary Employee and Spouse Life Insurance:

The rates for Life insurance are calculated based off of the Employee's age. Spouse rates for Spouse life insurance are strictly based off of the Employee age and not the spouse age.

Life Coverage Amount / $1,000 = $ Covered Units x Age Banded Rate = Amount Per Pay Period cost

Age Band  <30 30-34 35-39 40-44 45-49 50-54 55-59 60-64   65 -69  70+
Rate  .0415  .05 .0585  .075  .108  .1575  .241  .399  .648  1.095 
Example: Jane Doe will be 42 years old by 1/1/19. She elects $150,000 for her Life coverage amount. Her amount per pay period cost for the coverage will be $11.75 due to the calculation: $150,000 / $1000 = $150 x 075 = $11.75 per pay period cost

Child Life Insurance

Benefit eligible employees may elect either $5,000 ($0.90 per paycheck) or $10,000 ($1.80 per paycheck) in coverage for eligible dependent children below the age 26. Voluntary Employee Life coverage must be elected in order to cover dependent children

Benefit Reductions:

While the cost per paycheck are based off of the Employee's age, the actual benefit and Life coverage is dependent on the age of the person covered. The elected benefit will reduce by 35% at age 70, by 60% of the original amount at age 75, by 75% of original amount at age 80 and by 85% of the original amount at age 85. All coverage cancels at retirement.

When an employee decides to leave employment with the City of Frisco, he or she has the option of also port or convert their life insurance coverage. Please see documentation below for more information and contact HR if this is something that interests you.

Additional Life insurance Benefits

With the Hartford Life and AD&D coverage, employees have access to tools and resources the Hartford provides. Sometimes life is unpredictable and it can be difficult to manage the stress of planning for the future and protecting your family. 
Employees have access to the Hartford's Beneficiary Assist Program, Estate and Will planning, Funeral planning concierge, and travel assistance. More information about these benefits can be found in the document section below.

Life and AD&D Documents