Life Insurance

General Information

All Full-Time employees of the School District of Philadelphia can elect (or waive) the The Hartford (formerly Aetna)Term Life Insurance policy. The Hartford (formerly Aetna) offers two types of Term Life Insurance policies for our employees. The Basic Plan is administered by the Employee Benefits Department (215-400-4630). The Voluntary Life plan is administered by Benefits Harbor (888-391-3841). To enroll in the Voluntary Life plan online, please click here: https://www.memberbenefitlogin.om/ees/psd.html.

Who’s eligible for this benefit?

All full time employees are eligible for the Basic Term and Voluntary Term Life Insurance plans.  Supportive Service Assistants (SSA), Extra Curricular, and Per Diem employees are not eligible for these policies.

VOLUNTARY TERM LIFE INSURANCE (Displays as “VOL TERM LIF” on your paycheck)

Voluntary Term Life Insurance is a plan that pays your designated beneficiary (ies) a fixed payment amount in the event of your death. You can also enroll your spouse and children in policies of their own – dependent on your participation in the plan. Enrolled employees can call Benefit Harbor for general information, changes, and forms. The phone number is (888) 391-3841. To enroll in the Voluntary Life plan online, please click here: https://www.memberbenefitlogin.om/ees/psd.html.

Deductions are 20 pays throughout the year for Voluntary Term Life Insurance through Benefit Harbor. For 2020, deductions will stop on the June 26, 2020 pay and resume on the September 4, 2020 pay.

BASIC TERM LIFE INSURANCE

Basic Term Life Insurance is a plan that pays your designated beneficiary (ies) a fixed payment amount in the event of your death. The School District’s plan pays a Death Benefit only. There is no cash value associated with the plan. Premiums are based on elected policy amounts. Premiums, where applicable are collected through payroll deductions once a month – the second pay date of each month.

Changes to Basic Term Life Insurance can only be made within the first 30 days of hire or during the annual Open Enrollment period.

Policy amounts and premiums are also determined by each Union’s collective bargaining agreement. Refer to the benefits page for your classification for more information.

How do I know if I am enrolled in the Basic Term Life Insurance policy?

Refer to the chart below.

UnionOptions and Rates
PFTAll enrolled members will have a payroll deduction on the second paycheck of the month. You will see a deduction labeled “Life Ins” in the second pay of each month. You can view your April 17, 2020 paycheck from the Employee Payroll Information app in the employee portal.
If you have a $0.16 deduction, you are enrolled in the $2,000 policy
If you have a $2.00 deduction, you are enrolled in the $25,000 policy
SPAPYou have two life insurance policy options.
$20,000 policy paid in full by the SDP– we will contact you by email if you are NOT enrolled in May 2020.
A supplemental $25,000 policy is offered. You are enrolled in both the $20,000 and the supplemental $25,000 If you see a $2.00 deduction labeled “Life Ins” in the second pay of the month. You can view your April 17, 2020 paycheck from the Employee Payroll Information app in the employee portal.
Local 1201/32BJ$25,000 policy paid in full by the SDP– we will contact you by email if you are NOT enrolled in May 2020.
CASA$25,000 policy paid in full by the SDP– we will contact you by email if you are NOT enrolled in May 2020.
Local 634$20,000 policy paid in full by the SDP– we will contact you by email if you are NOT enrolled in May 2020.
Non-Represented/ROTC$45,000 policy paid in full by the SDP– we will contact you by email if you are NOT enrolled in May 2020.

RETIRED EMPLOYEES AND LIFE INSURANCE (BASIC TERM LIFE)

Employees may be eligible for the Retiree portion of the Basic Term Life Insurance plan ($2,000) at no cost, if both the following criteria are met:

  1. Normal Retirement (per the State of Pennsylvania Pension classificaion rules), and
  1. Enrollment in the Basic Term Life Insurance policy for the last 10 consecutive years of active service.

If you leave active service (retired or otherwise), you have 31 days to convert all or part of the non-paid-up portion ($2,000 in the case of eligible retirees) of your active policies to a self-billing policy directly with  The Hartford (fomerly The Aetna Life Insurance Company). All Life Insurance forms can be found on our website.

If you do not meet the criteria for normal retirement, you will have 31 days to convert to a self-billing policy.

 

What does the deduction look like on my paycheck?

Below is a chart that displays the plan type and what the deduction looks like on your paycheck. Basic Term Life deductions are deducted from the second paycheck of each month. Voluntary Term Life deductions are deducted from paychecks from September through June.

Plan Type Paycheck Code Payment Range
BASIC LIFE INS $.16 – $2.00
VOLUNTARY VOL TERM LIF Varies

Employees enrolled in one of the (At No Cost) Life Plans will not see a deduction on their paycheck.