Life Insurance

In order to provide you and your family with financial protection in the event of your death, Whitfield County Schools offers voluntary term life insurance for employees, your spouse, and your child(ren) through The Hartford.  The plan includes Accidental Death and Dismemberment coverage, or AD&D.  If you pass away as a result of an accident, the plan also pays either the amount of your life insurance or a percentage for loss of limbs, speech, hearing, and more.


Rate Information

Important Documents


You will be required to provide your beneficiary information at the time of your enrollment. A beneficiary is a person who would receive your life insurance benefit in the event of your death.


Evidence of Insurability (EOI)

As a new hire, you are able to elect up to the Guarantee Issue of $150,000 for yourself, $50,000 for your spouse, and $10,000 for your child(ren) with no health questions. Should you wish to elect an amount that exceeds the Guarantee Issue, an Evidence of Insurability Form is required.  You may obtain an EOI Form from the Resources page or by calling the Benefits Service Center.  Most new and additional elections at Annual Open Enrollment also require an Evidence of Insurability (EOI).  To apply, simply complete the form and submit it to The Hartford for review.  You will not be deducted for your pending amount unless / until you are approved.

Important Notes

  • There is no age cap to be eligible to enroll
  • Common law spouses and domestic partners are not eligible for spouse life coverage.
  • Spouse life cannot exceed 100% of employee amount
  • Child(ren) can be covered only until age 26
  • Beneficiary information is required upon enrollment
  • Accidental Death and Dismemberment (AD&D) coverage is included
    • Benefit is doubled in the event of death due to accident
  • If you are married to another WCS employee:
    • You must elect Employee Life only (no Spouse Life coverage is available)
    • Only one employee can cover the child(ren); no duplicate coverage is allowed

Maximums and Age Reductions

Plan Maximums

Employee Life: Up to 5x earnings in $10,000 increments to a maximum of $300,000

Spouse Life: Up to 100% of employee amount in $10,000 increments to a maximum of $100,000

Child Life: $10,000 coverage up to age 26

Guarantee Issue Amounts

Employee Life: $150,000

Spouse Life: $50,000

Child Life (14 days to 6 months): $100

Child Life (6 months - 26 years): $10,000

Age Reductions

The employee voluntary life benefit reduces to 50% of original benefit following your 70th birthday.  The spouse benefit also reduces to 50% following the spouse’s 70th birthday.  The change will take place on January 1 following the 70th birthday.

Portability and Conversion

You have the opportunity to continue your life insurance benefit should you terminate employment with Whitfield County Schools.  You may either port your policy to an individual term life plan or convert your policy to a whole life plan upon termination.  Additional information regarding these two options may be obtained by contacting The Hartford or by visiting the Resources page.