Life Coverage - Civil Service Employees

We offer two options for Employees of the County of Erie and City of Buffalo – a Group Term Life Insurance Program and a Universal Life Insurance Program.

Benefits of the Term Life Insurance Program for Employees of the County of Erie and City of Buffalo

(Sellers & Co. also offers various Whole Life plans. Please call for more details).

  • Payable through Convenient Payroll Deduction

  • Eligibility

Employees of the County of Erie and City of Buffalo through age 60 who are actively at work on a full-time basis (30 hours or more per week) are eligible. Spouses through age 60 are also eligible to apply. Medical and financial underwriting is required in most instances.

  • Amount of Coverage Available

Up to $300,000 for employees and their spouses. (Employees in certain hazardous occupations are eligible for a maximum of $25,000).

  • Pay No Premiums if You’re Disabled

Waiver of premium is included to age 60. If you become totally disabled before age 60, you may keep your coverage, subject to policy terms, without paying premiums.

  • Portable Coverage

You may keep this coverage at the same rates if you leave your current employment.

  • Protection for Accidental Death

This option offers additional assistance in the event of an accidental death or dismemberment (AD&D), which can be a financial shock to a family. The AD&D option pays your beneficiary equal the value of your coverage, if you die in a covered accident.

  • Accelerated Life Benefit

If you are terminally ill and have a life expectancy of twelve months or less, you can receive a portion of your death benefit to use as you wish, including to help with end-of-life expenses. You can receive a payment of up to 50% of your coverage, to a maximum of $100,000.  You must have at least $10,000 in coverage to qualify for this benefit.

  • Underwritten by ReliaStar Life Insurance Company of New York

 

 
Group Term LIfe

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