Life Insurance

Alachua County offers term life, supplemental life and dependent life insurance through USAble Life Insurance.

Supplemental insurance is also offered for employees who wish to purchase more life insurance coverage, the premium is 100% employee paid. The premium rate is based on the age table below. Your premium will increase on your birthday.

Age	Monthly Rate per $1,000
Under 25	$0.05
25-29	$0.06
30-34	$0.08
35-39	$0.09
40-44	$0.10
45-49	$0.15
50-54	$0.23
55-59	$0.45
60-64	$0.72
65-69	$1.39
70 & over	$2.28

Newly hired employees may elect one, two or three times their annual earnings, to a maximum of $250,000 without providing proof of good health if done within their initial eligibility period. Election of supplemental life insurance coverage at the time of initial employment is the only time issue of coverage is guaranteed. If coverage is not elected at that time, completion of an evidence of medical insurability form is required with review by the underwriters at USAble Life and determination of insurability.

Basic (Term) Life Insurance Coverage

Alachua County provides and pays for term life insurance for each benefits elegible employee. Coverage is equal to 1x annual salary with a maximum of $60,000.

Voluntary Accidental Death & Dismemberment (AD&D)

Available in increments of $25,000 up to five times annual earnings or $500,000 whichever is less. The premium is $0.03 per thousand per month.

AD&D coverage provides you with an additional insurance benefit if your death results from an accident, or if you suffer a loss from an injury (see schedule of benefits below).

Schedule of Benefits:

Loss	Benefit
Life	100%
Two or more members*	100%
Quadriplegia	100%
Speech & hearing	100%
Paraplegia	75%
One member	50%
Speech	50%
Hearing	50%
Hemiplegia	50%
Thumb & Index finger of same hand	25%

*Member is defined as hand, foot or eye

Reductions Coverage amounts will reduce for Basic, Supplemental and AD&D for employees according to the following schedule:

Age: Insurance Amount Reduces to:

65 - 65% of original amount
70 - 50% of original amount

Dependent Life Insurance Coverage

Dependent life insurance is coverage for an employee's spouse and dependent children. The premium is 100% employee paid. The benefit paid is $20,000 policy for a spouse, and/or $10,000 for each dependent child. Premium cost is $3.10/pay period and covers all dependents, not a per unit rate. The employee is the beneficiary for dependent life coverage.

Election of dependent life insurance coverage at the time of initial employment is the only time issue of coverage is guaranteed. If coverage is not elected at that time, completion of an evidence of medical insurability form is required with review by the underwriters at USAble Life and determination of insurability.

The Alachua County Library District offers a core package which includes basic term life, with accident death and dismemberment (AD&D), short term disability and long term disability through USAble Life Insurance. Election of life insurance coverage at the time of initial employment, is the only time issue of coverage is guaranteed. If coverage is not elected at that time, completion of an evidence of medical insurability form is required with review by the underwriters at USAble Life Insurance and determination of insurability.

Basic Term Life with Accidental Death And Dismemberment (AD&D)

Basic life insurance is offered in the amount of an employee's annual salary rounded to the next highest thousand. The minimum coverage offered is $10,000 and the maximum is $40,000. The premium is $0.3650 per $1000 per pay period. The Library district pays 80% of the premium.

Short-Term Disability Coverage

Short term disability pays a benefit when an employee is unable to work due to an accident or illness. The benefit for short term disability begins on the 8th day of disability, the maximum benefit period is 26 weeks. Short term disability pays for non-work related disabilities only. Disabilities due to normal pregnancy is covered as any other illness. The benefit is 60% of weekly salary to a maximum of $350. The premium is $0.55 per $10.00 of covered weekly payroll.

Example $713.11Monthly Salary (20 hours/week @ $8.23/hour)

District pays $4.43/month

Employee pays $1.11/month

Supplemental Life Insurance

Supplemental life insurance is available and includes supplemental accidental death and dismemberment. The employee pays 100% of the premium which is based on both salary and age.

AGE	MONTHLY RATE/$1,000
Less than 30	$0.13
30 but less than 35	$0.16
35 but less than 40	$0.16
40 but less than 45	$0.25
45 but less than 50	$0.36
50 but less than 55	$0.59
55 but less than 60	$0.93
60 but less than 65	$1.17
65 but less than 70	$1.98
70 and older	$2.53

Long-Term Disability Coverage

Long term disability begins after 180 days from date of disability, the benefits is 60% of monthly salary up to $6,000 per month. The premium is $0.58 per $100.00 of covered monthly payroll up to a maximum of $6000.

Example: $713.11Monthly Salary (20 hours/week @ $8.23/hour)

District pays $3.37/month

Employee pays $0.84/month

Dependent Life Coverage

Dependent life coverage is coverage for an employee's spouse and dependent children. The premium is 100% employee paid. Dependent life insurance benefit cannot exceed 50% of your basic life and supplemental life insurance amount combined. The employee is the beneficiary for dependent life coverage.

1. Premium of $2.16/month

2. Spouse benefit - $10,000

3. Child(ren) benefit (14 days or older ) -$5,000

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Employee Benefits

Life Insurance