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Arizona Association of Counties Life Insurance Benefits

Information on the Arizona Association of Counties life insurance plan, vendor links and forms.

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We are a financially strong, family-oriented company based in the heart of America, with solid, unflinching values. Your peace of mind is our priority. Together with our affiliates, we offer products and services designed to meet your unique needs and help you achieve your financial goals.

How much life insurance am I covered for through my employer?

Each AZLGEBT participating entity has a different life insurance coverage amount for their employees.  Please contact your Human Resources or Benefits Department for your specific coverage amount.

Does the life insurance coverage provided by my employer include accidental death coverage?

Yes.  The policy provided by your employer includes Accidental Death & Dismemberment coverage. This coverage helps protect you and your family in the event of an unplanned loss of life, limb or sight.  The amounts payable under this coverage are specified in the coverage certificate provided by Mutual of Omaha.

Does the life insurance coverage provided by my employer only cover me if I am at work?

No.  The group life insurance coverage provided through the Trust covers you 24-hours a day – on or off the job.

Do I have to pay taxes on the life insurance paid/provided by my employer?

No.  Pursuant to Internal Revenue Code Section 79, premiums paid by an employer for group term life insurance up to $50,000 are excluded from income.

I would like to change my beneficiary. What do I need to do?

Contact your Human Resources or Benefits Department for the applicable beneficiary designation forms to complete.

I am getting divorced but I still want my ex-spouse to be my life insurance beneficiary. Do I have to complete any paperwork?

Yes.  Your previous beneficiary designation will be null and void upon the divorce date.  You will need to contact your Human Resources or Benefits Department and designate your ex-spouse as your beneficiary with the paperwork dated on or after the date of the final divorce decree.

If I become disabled what happens to my life insurance coverage?

Your life insurance will be continued without payment of premiums while you are totally disabled if:

a] You become Totally Disabled while insured under the Group Policy and you are under the age of 60;

b]  You complete your Waiting Period; and

c]   You provide Mutual of Omaha with satisfactory Proof of Loss.

Continuation in the case of a disability can be quite confusing, therefore if you believe you qualify for this coverage contact your Human Resources or Benefits Department as soon as possible to review the administrative specifics of continuing your coverage.

Can I buy additional life insurance for me and/or my family?

Yes.  Please contact your Human Resources or Benefits Department for specific coverage, premium and enrollment information.

If I leave my employment am I able to continue my life insurance benefits?

Yes.  You may continue your life insurance benefits on a direct pay basis, however to continue benefits you must contact the life insurance carrier, Mutual of Omaha , within thirty-one (31) days of your benefits termination date to start the process of converting your employer coverage to individual coverage.  There is no exception to this timeline.

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Life Insurance Benefits

Basic Life Insurance

Group life insurance coverage is automatically provided to all eligible employees on the date you become benefits eligible with your employer. Please refer to the Life Insurance Certificate for your Employer for coverage amounts and plan provisions.

Additional Life Insurance

In additional to your employer-paid life insurance, you also have the option of purchasing additional life insurance. You can purchase coverage for yourself, your spouse and your dependent children.

Employee Coverage

You may elect additional life insurance in units of $10,000, to a maximum of $500,000 or 5 times your annual earnings, whichever is less. If you wish to become insured for an amount in excess of $100,000, the excess will be subject to underwriting. All late applications and requests for coverage increases are also subject to medical underwriting approval.

In order to elect coverage for your spouse or eligible children you must elect coverage for yourself.

Spouse Coverage

Coverage is available in units of $5,000 to a maximum of $100,000, but not to exceed 100% of the employee’s coverage amount.  If you elect an amount for your spouse greater than $50,000, the excess will be subject to medical underwriting approval.  All late applications and requests for coverage increases are also subject to medical underwriting approval.

Child Coverage

You may elect coverage for your eligible children in the amount of $10,000, however, the amount elected cannot exceed 100% of the employee’s coverage amount. All late applications and requests for coverage increases are also subject to medical underwriting approval.

Additional life insurance premium rates are based upon age. The premiums for additional life insurance are set up through payroll deductions on an after-tax basis.

For more detailed coverage information, please contact your benefits department.