Optional Life and Voluntary AD&D Coverage

You, your spouse or domestic partner and/or your children are eligible for optional Term Life and/or Voluntary AD&D Insurance if you are:

  1. An active PAT, PFSP, DCU or ATU employee and an active SD No. 1 Trust member
  2. Working at least 20 hours each week, and
  3. Enrolled in health insurance through the Trust.

What You Need to Know

Optional Life and/or Voluntary AD&D Insurance can be a simple, easy way to protect your loved ones in the event of your death. You may apply for the amount of protection you need for yourself and your family.

  • Optional Term Life Insurance coverage up to the guarantee issue amount without providing evidence of insurability (answering questions about your medical history). Please keep in mind:
    • Full-time or part-time PAT employees who have selected “Option 1” benefits currently have a $50,000 Trust-paid Basic Life and AD&D Insurance benefit
    • Full-time or part-time PFSP, DCU or ATU employees who have selected “Option 1” benefits currently have a $30,000 Trust-paid Basic Life and AD&D Insurance benefit
    • Remember: If you choose to purchase the new Optional Life Insurance, it will be supplemental coverage to your current Basic Life coverage.
  • Voluntary Accidental Death & Dismemberment Insurance.

Are you newly eligible for benefits?

Enroll within 30 days of your benefits eligibility date. Here’s a checklist to help you through the enrollment process:

If you prefer to mail your Medical History Statement, complete this form and submit it directly to Standard Insurance Company