Life Insurance

Basic Life

Basic life insurance is provided to all eligible active, full-time employees working a minimum of 20 hours per week. Basic life coverage is two times annual salary to a maximum of $350,000. Both employee and employer share the cost of this coverage.

Voluntary (Additional) Life

In addition to basic life insurance, employees have the option to purchase voluntary life insurance from $10,000 up to $400,000.

 The following applies when enrolling or increasing coverage:
  • Late Entrants (employees currently not enrolled) must provide Evidence of Insurability (EOI).
  • Employees currently enrolled in the Voluntary (Additional) supplemental life plan may increase their coverage amount by one plan level without Evidence of Insurability (EOI) as long as the new coverage plus existing coverage does not exceed the Guaranteed Issue (GI) amount of $150,000.
NOTE: There will be a change in voluntary life premium when an employee moves to the next 5 year age band (e.g. from 30-34 to 35-39; 40-44 to 45-49, etc.) The change will be made January 1, of each year.

Employees cannot take voluntary life coverage into retirement.

Dependent Life

Employees have the option to purchase dependent life insurance coverage for eligible spouse and children (from $20,000 up to $100,000 for spouse and from $10,000 up to $15,000 for children).

Any employee who retires on or after January 1, 2013 will be allowed to take dependent life coverage into retirement. Retirees will not be allowed to increase the amount of their dependent coverage upon retirement.
Please note for Dependent Life coverage, your dependent child is eligible at birth to age 26 (married or unmarried).


Please ensure your beneficiaries for your basic, additional, and AD&D are current. You do not have to wait until open enrollment to update your beneficiaries. You can update through the Winston portal. 

For Current Enrollees Only