Life and AD&D
Life and Accidental Death & Dismemberment
Financial support during difficult times
- The district automatically provides $10,000 in basic life insurance and $10,000 in accidental death and dismemberment (AD&D) insurance if you’re eligible for benefits.
- Life insurance benefits pay your beneficiary if you die while covered, subject to policy exclusions.
- AD&D insurance benefits pay you or your beneficiary if you have a covered loss as the direct result of an accident.
- Minnesota Life, a Securian Financial Group affiliate, is the provider for this term-life coverage.
- Your life insurance policy includes Redpoint travel assistance, offering 24/7 services to you and your dependents when you travel more than 100 miles from home.
Supplementing your coverage
New and newly eligible employees may elect up to five times your annual base salary, to a maximum of $600,000, with no evidence of insurability (EOI) required. You may increase the amount of coverage by one times your base salary each year after that, also without EOI, until you reach five times your annual base salary (or $600,000, whichever is less).
Want even more coverage?
You may elect more coverage, up to eight times your annual base salary, to a maximum of $1,000,000; however, any amount over five times your salary (or $600,000, whichever is less) is subject to EOI regardless of when you make this election.
EOI is required for employees who don’t enroll when they’re first eligible, regardless of the multiple of salary elected.
Spouse and child coverage
If you enroll in supplemental life with a matching AD&D benefit amount for yourself, you can also purchase supplemental life with a matching AD&D benefit amount for your spouse and dependent child(ren).
Spouse coverage is available at one to three times your salary, equal to your coverage amount or $250,000, whichever is less. Note that any coverage above $100,000 is subject to EOI.
Child life and AD&D options are available at $5,000, $10,000, $15,000 or $20,000. A child may not be covered by more than one employee. Your cost for child life coverage is the same, no matter how many eligible children you insure.
Coverage options and cost
Coverage amounts are multiplied and then rounded to the next higher $1,000. Your cost of coverage is based on your age on January 1 of the plan year, your salary at the time of enrollment and the level of coverage you select. The AD&D benefit is a matching benefit to the supplemental life, not a separate election.
Your age January 1 of plan year Rates based on 24 pay periods <30 $0.0275 30-34 $0.0275 35-39 $0.0275 40-44 $0.0450 45-49 $0.0750 50-54 $0.1105 55-59 $0.1880 60-64 $0.2235 65-69 $0.3845 70 $0.5805
For spouse life and AD&D, your cost of spouse coverage is based on your spouse’s age on January 1 of the plan year and the level of coverage you select. Spouse life and AD&D coverage cannot exceed the amount of your supplemental coverage. Spouse coverage is not effective until your supplemental coverage is approved. The AD&D benefit is a matching benefit to spouse life, not a separate election.
Your age January 1 of plan year Rates based on 24 pay periods <30 $0.0395 30-34 $0.0495 35-39 $0.0545 40-44 $0.0745 45-49 $0.1295 50-54 $0.1995 55-59 $0.3295 60-64 $0.3845 65-69 $0.6695 70+ $1.0395
Your cost for child coverage is the same no matter how many eligible children you insure. Child coverage is not effective until your supplemental coverage is approved. The AD&D benefit is a matching benefit to child life, not a separate election.
Dependent Benefit level Rates based on 24 pay periods $5,000 $0.2725 $10,000 $0.5450 $15,000 $0.8175 $20,000 $1.0900
Naming a beneficiary
When you enroll, you name who you want to receive your life insurance benefits payout if you die. If you’d like to designate a beneficiary later or update your beneficiary, contact the HISD Benefits Service Center at 877-780-HISD (4473).
To file a claim, your beneficiary should call us at 877-780-HISD (4473).
If there is no eligible beneficiary, or if you don’t name one, the death benefit is paid to the first one here that applies:
- the insured’s lawful spouse, if living
- the insured’s natural or legally adopted child(ren) in equal shares, if living
- the insured’s parents in equal shares, if living
- the insured’s brothers and sisters in equal shares, if living
- the personal representative of the insured’s estate
Redpoint travel assistance
Redpoint travel assistance covers you and your family 24/7 when traveling 100 miles or more from home. This coverage is available at no cost to all active employees covered under our group life insurance policies, as well as their spouses and dependents.
- Help finding a medical professional
- Interpretation services over the phone
- Assistance replacing lost or stolen luggage
- Coordination of hospitalization
- Return transportation for dependent children and pets
- Rental vehicle return
- Pre-trip resources, including passport/visa information and immunization requirements
For more information, including program terms and conditions, refer to this handout, visit the Redpoint website or call 855-516-5433 in the US and Canada. From other locations, collect call +1-415-485-4677. Be sure to tell the operator you’re an employee (or dependent of an employee) of Houston Independent School District.
If you’re not actively at work when coverage is scheduled to become effective, your coverage doesn't take effect until you complete your first day at work. Paid leave and paid vacation are not considered being actively at work.
If more than one person works for the district
If your spouse also works for the district, only one of you can be covered by supplemental life and AD&D or spouse life and AD&D. Only one employee can carry child life and AD&D coverage for your child(ren).
Taking coverage with you
If you leave the district, your life and AD&D insurance is convertible. Other exclusions may apply. For more information about conversion, click here or call Minnesota Life’s portability and conversion customer service at 866-293-6047.
For details about benefits and policy exclusions, read the certificate of insurance, review the Life and AD&D Insurance FAQs, visit the Minnesota Life website or call 866-293-6047 between 7 a.m. and 7 p.m. weekdays, excluding holidays.