Pomona, CA
Home MenuVoluntary Life Insurance
The City provides you the opportunity to purchase additional Voluntary Life Insurance at a group rate through TheStandard Company.
As a new employee you may purchase voluntary life insurance up to $100,000 for yourself, $10,000 for your spouse, and $10,000 for your child(ren) without going through medical underwriting (guaranteed issue). Guarantee issue only applies to employees who sign up within the first thirty (30) days from hire date or within 31 days of a family status change (marriage, divorce, birth of child, etc.). Employees enrolling beyond 30 days require approval from Standard based on a medical history statement.
Schedule of Insurance
- Eligible employees can elect multiples of $10,000 from $10,000 to $500,000.
- Spouse/Domestic Partner can elect multiples of $10,000 from $10,000 to $500,000 (not to exceed 100% of the employee's elected amount).
- Child(ren) elections can be in the following amounts: $2,000, $5,000 or $10,000.
- Guarantee Issue levels for employees is $100,000.
- Guarantee Issue levels for Spouse/Domestic Partners and Children is $10,000.
- Enrolling within 30 days of eligibility and Guarantee Issue levels apply to new dependents (marriage, newborn).
Guarantee Issue Amount
The amount of coverage you can obtain with no medical questions or medical exams. Medical Evidence will be required for late enrollees or to increase amounts of existing coverage.
Monthly Cost Per $10,000 of Benefit Amount
Members and Spouses
| Age | Tobacco Free | Tobacco Use |
|---|---|---|
| >30 | $0.78 | $1.20 |
| 30-34 | $0.83 | $1.28 |
| 35-39 | $ 1.08 | $1.69 |
| 40-44 | $1.76 | $2.73 |
| 45-49 | $3.09 | $4.64 |
| 50-54 | $4.76 | $7.15 |
| 55-59 | $8.16 | $11.82 |
| 60-64 | $9.73 | $14.09 |
| 65-69 | $18.69 | $26.16 |
| 70-74 | $33.65 | $45.42 |
| 75-79 | $50.41 | $65.53 |
| 80-89 | $93.15 | $116.43 |
| 90+ | $235.36 | $294.08 |
Child Life Insurance Options
| Child Benefit | $2,000 | $5,000 | $10,000 |
|---|---|---|---|
| Cost per month | $0.18 | $0.45 | $0.90 |
Coverage is available for children from birth through age 26.
Note: Cost of Spouse and/or dependent coverage cannot exceed the amount of insurance you take for yourself.
Cost Summary Examples
Monthly cost for an employee, age 38 (tobacco free), purchasing $50,000 on self; $20,000 on Spouse (age 34, tobacco free); and $5,000 on Child(ren).
- Employee = $50,000/10,000 = 5 X $1.08 = $5.40
- Spouse* = $20,000*/10,000 = 2 X $.83 = $1.66
- Child(ren) = $5,000 = $0.45
- Total Monthly Payroll Deduction: = $7.51
*Amounts above $10,000 are subject to medical underwriting.