Income Security Benefits

Your Life Insurance Benefits

Life insurance gives your family financial security by helping to cover your family’s immediate expenses after the loss of your income due to your death. 

If you are enrolled in the Active Employee Plan, you are automatically enrolled in the Life Insurance Plan.

Retirees are not eligible to participate in this Life Insurance Plan.

Coverage begins on the date of enrollment and ends when you are no longer eligible for the Active Employee Plan. This benefit is administered by the LifeMap Assurance Company.

Life Insurance Coverage Amounts

Active employee
Legal spouse
Dependent children
Under 14 days of age
14 days but less than 6 months
Age 6 months and under 2 years
2 years but less than 3 years
3 years but less than 4 years
4 years but less than 5 years
5 years but less than 19 years (up to 25 years, if full-time student, dependent on employee for support)

This is an overview of benefits. For details, please refer to the Active Employee Plan Summary Plan Description.


You choose who your life insurance benefit will be dispersed to in the event that you die while covered.

  • Download the “Beneficiary Designation Form” at Complete the form and submit it to LifeMap.
  • You may change your beneficiary at any time by submitting another form.

In the event your spouse or child dies while covered, the benefit will be paid to you.

Disability Extension Benefit

If you become totally disabled before age 70, the full amount of the employee life insurance in force on the date you became disabled will remain in force for 27 months, as long as your total disability continues and the Trust continues to pay premiums on your behalf.

  • After 27 months the amount will be reduced to $1,000. 
  • If you return to work following a period of disability that extends beyond 27 months, benefits will be fully reinstated.

You must apply this benefit. You may obtain an “Extended Life Insurance Claim Form for Employee” at For more information or assistance, please contact LifeMap.

Accelerated Benefit For Terminal Illness

You are eligible to receive a portion of your life insurance, up to a maximum of $22,500, if: 

  • You are diagnosed with a terminal illness by a qualified physician, and
  • Your life expectancy is six months or less.

To find out more about the accelerated benefit and how to apply, please contact LifeMap.

Life Insurance Conversion

If your life insurance coverage under the Active Employee Plan ends, you and your dependents may request conversion to an individual life insurance policy through LifeMap.  

  • Your request to convert must be made in writing within 31 days.
  • Proof of good health is not required.

To find out more about this benefit and request conversion, please contact LifeMap.


The “Life Insurance Benefit Claim Form“ may be obtained online at Submit the completed form and additional required information to LifeMap.

For more information and/or assistance, please contact LifeMap.