Optional Life Insurance and Voluntary Accidental Death & Dismemberment (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. You must be enrolled in health insurance through the Trust to purchase Optional Life insurance.

  • 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:
    • All eligible full-time and part-time PAT employees currently have a $50,000 Trust-paid Basic Life and AD&D Insurance benefit
    • Full-time and 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 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