Additional Coverage You Can Purchase
In addition to the coverage provided by City of Grand Forks, you may purchase extra life insurance for yourself, your spouse and your dependent children. The premium for this coverage will be deducted from your paycheck.
To view your plan documents or enroll, visit www.employeenavigator.com
- Coverage (per child): $10,000 or $15,000
- Monthly Premium: $ 1.30 or $1.95
- One premium provides either $10,000 or $15,000 of coverage for each of your unmarried, dependent children from birth up to age 26.
- Employee is not required to purchase voluntary life coverage for themselves in order to purchase child coverage.
- Insurance coverage for eligible dependents will be delayed if they are confined (at home, in a hospital, or in any other institution or facility) or disabled on the date insurance would otherwise begin, in accordance with the terms of the policy.
- Premium is based on your age as of the effective date of coverage, and then on January 1st each year thereafter.
- You may purchase coverage up $750,000.
- Up to $250,000 of coverage is guaranteed, regardless of your health, if you apply when first eligible.
- If you are enrolled in the plan, coverage can be increased by $ each year without medical qualification, up to a maxmium of $750,000.
- Spouse premium is based on the employee’s age on the effective date of coverage.
- Up to $50,000 of coverage is guaranteed, regardless of spouse’s health, if applying when first eligible.
- Spouse coverage cannot exceed $250,000 in voluntary life coverage.
- Employee is not required to purchase voluntary life coverage for themselves in order to purchase spouse coverage.