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2027 Additional Life, AD&D Insurance, and Dependent Life Insurance

Basic Life Insurance benefit rates for Additional Life, AD&D Insurance, and Dependent Life for Jan. 1, 2027, through December 31, 2027. This page includes information for ALL employees, including Food Services C-Schedule.

Overview

Employee Basic Life Insurance

  • $30,000 coverage paid by APS. All benefits-eligible employees are automatically enrolled. 

Employee Additional Life Insurance

  • Plan 2: $10,000 increments from $10,000 up to $400,000
  • 50% shared premium between employee and APS

Dependents Life Insurance - Spouse/DP 

  • Plan 1: $5,000 of coverage 
  • Plan 2: $10,000 increments from $10,000 up to $400,000 (must select Plan 1 to enroll in Plan 2)
  • 100% of the premium paid by the employee

Dependents Life Insurance - Children 

  • Plan 1: $5,000 of coverage per child enrolled
  • Plan 2: $10,000 of coverage per child enrolled (must select Plan 1 to enroll in Plan 2)
  • 100% of the premium paid by the employee
  • If not added during the initial 60-day eligibility window, child dependent life insurance can only be added during Open/Switch Enrollment.

Employee Basic Life Insurance

The amount of Basic Life Insurance for benefit-eligible employees is $30,000 in coverage. This benefit is completely paid for by APS through our contract with The Standard Insurance Company.

The Standard Life and AD&D Insurance

All benefits-eligible employees are eligible to enroll during the initial 60-day eligibility enrollment window or within 60 days of an eligible qualifying life event for Spouse/DP or Children, with guaranteed enrollment (no Evidence of Insurability required, except for Spouse/DP additional life enrollment greater than $30,000). 

Beyond a 60-day eligibility enrollment window, eligible employees may apply at any time during the year for Employee Additional Life Insurance and Dependent Life Insurance for Spouse/DP (subject to Evidence of Insurability) except from September 20 to October 31. 

 

For Plan 1 Dependent Children Life Insurance:

  • Employees do not have to have additional life insurance to enroll their child/children in Plan 1 dependent life insurance. 
  • If not elected within 60 days of initial eligibility, Plan 1 Dependent Life Insurance for children may only be added during APS Annual Open Enrollment for a January 1 effective date.  (Plan 1 provides $5,000 in life insurance coverage for each eligible child, for a flat rate of $0.53 per pay period, regardless of the number of children covered.) 

For Plan 2 Dependent Children Life Insurance:

  • Employees who are already enrolled for Additional Employee Life Insurance may also elect Plan 2 Dependent Life Insurance for their children during APS Annual Open Enrollment for a January 1 effective date. 
  • Children must be covered for Plan 1 Dependent Life Insurance in order to be covered for Plan 2 Dependent Life Insurance.  (Plan 2 Dependent Life Insurance provides $10,000 in life insurance coverage for each eligible child for a flat rate of $0.95 per pay period, regardless of the number of children covered.)

Employee Additional Life & AD&D Rates

Coverage is available in $10,000 increments from $10,000 to $400,000. Scroll below for the Dependent Life Insurance Options.

Age Bands

Bi-monthly employees/24 paychecks per year

Rates per $1,000 Coverage

Food Services C-Schedule/18 paychecks per year

Rates per $1,000 Coverage
<30 $0.0330 $0.0440
30-34 $0.0445 $0.0593
35-39 $0.0510 $0.0680
40-44 $0.0595 $0.0793
45-49 $0.0845 $0.1127
50-54 $0.1240 $0.1653
55-59 $0.2195 $0.2927
60-64 $0.3360 $0.4480
65-69 $0.6320 $0.8427
70+ $1.0205 $1.3607

How to Calculate Rates

To calculate your per pay period payroll deduction, follow these steps: 

  1. Enter the amount of coverage
  2. Divide by 1,000 (for the number of units of $1,000)
  3. Multiply by the rate for the Employee's age group to get the twice-a-month payroll deduction Employee Life Insurance total premium.
  4. Multiply the total premium by the employee cost share of 50%
EXAMPLE: Bi-Monthly Employee, $100,000 Coverage, Age 46 
  1. Calculate the Units: $100,000 (Amount of Coverage) divided by $1,000 = 100 Units.
  2. Calculate the Premium: 100 Units x $0.0845 (Rate for Age Band 45-49/bi-monthly employee) = $8.45
  3. Calculate the Employee Cost Share: $8.45 x 50% = $4.23 twice a month.

EXAMPLE: Food Services C-Schedule, $100,000 coverage, Age 46

  1. Calculate the Units: $100,000 (Amount of Coverage) divided by $1,000 = 100 Units.
  2. Calculate the Premium: 100 Units x $0.1127 (Rate for Age Band 45-49/Food Services C-Schedule) = $11.27
  3. Calculate the Employee Cost Share: $11.27 x 50% = $5.64 twice a month. 

Determine Life Insurance Coverage For Your Spouse/DP and Children

Accidental Death and Dismemberment Insurance (AD&D) coverage is not available for spouses and children.  

Dependent Life Plan 1: Spouse/DP and Children

Provides coverage for your enrolled Spouse/DP and/or Children in the amount of $5,000 each. Employees may enroll their dependent (s) in this benefit during the initial 60-day enrollment window.   

  • The bi-monthly employee rate is $0.53 twice a month. 
  • Food Service C-Schedule rate is $0.70 twice a month.

Dependent Life Plan 2: Children (An employee must be enrolled in Employee Additional Life Insurance to add this benefit.) 

Provides coverage for your enrolled Child(ren) in the amount of $10,000 each. 

  • Bi-Monthly Employee rate is $0.95 twice-a-month.
  • Food Service C-Schedule rate is $1.27 twice-a-month.

Dependent Life Plan 2: Spouse/DP (An employee must be enrolled in Employee Additional Life Insurance to add this benefit.) 

Coverage is available in increments of $10,000 from $10,000 up to $400,000, equal to or less than the employee's Additional Life Insurance amount. REMINDER: Spouse/DP must be approved through evidence of insurability (EOI) by The Standard for enrollment above $30,000 coverage, event during the initial 60-day eligibility window. 

Spouse/DP Additional Life Insurance Rates

Age Bands

Bi-monthly employee/24 paychecks per year

Rates per $1,000 Coverage

Food Service C-Schedule/18 paychecks per year

Rates per $1,000 coverage
<30 $0.0230 $0.0307
30-34 $0.0345 $0.0460
35-39 $0.0410 $0.0547
40-44 $0.0495 $0.0660
45-49 $0.0745 $0.0993
50-54 $0.1140 $0.1520
55-59 $0.2095 $0.2793
60-64 $0.3260 $0.4347
65-69 $0.6220 $0.8293
70+ $1.0105 $1.3473

How to Calculate Rates

To calculate your Dependent Life twice-a-month deduction for a spouse/DP, follow these steps: 

  1. Enter the amount of coverage.
  2. Divide by 1,000 (for the number of units of $1,000)
  3. Multiply by the rate for the Spouse/DP's age group to get the Dependent Life Insurance total twice-a-month payroll deduction.
EXAMPLE: Bi-Monthly Employee, $100,000 Coverage for Spouse/DP, Age 37 
  1. Calculate the Units: $100,000 (Amount of Coverage) divided by $1,000 = 100 Units.
  2. Calculate the Premium: 100 Units x $0.0410 (Rate for the Dependent Life Plan 2, Ages 35-39) = $4.10 twice a month.

EXAMPLE: Food Services C-Schedule, $100,000 Coverage for Spouse/DP, Age 37

  1. Calculate the Units: $100,000 (Amount of Coverage) divided by $1,000 = 100 Units.
  2. Calculate the Premium: 100 Units x $0.0547 (Rate for the Food Services C-Schedule Dependent Life Plan 2, Ages 35-39) = $5.47 twice-a-month.