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Employee Insurance

Disability Insurance Program

Standard Insurance Company is the disability insurance provider. Deductions for both disability programs are done on an after-tax basis. This assures that any payments you receive from the program are not taxed.

During open enrollment period, you may enroll or make changes through Employee Self-Service (ESS). You can access ESS via PeopleSoft on your workstation or use a network PC at HR Answers Customer Service Center located at 441 4th Street, NW.

Short-Term Disability Insurance Program

All benefits-eligible employees may enroll in the Short-Term Disability Insurance Program. Short-term disability insurance provides income replacement that may be used in conjunction with your annual or sick leave. This program has a 20-day elimination period. Income is replaced at 66 2/3 percent of the employee’s base pay and coverage lasts for six months.

This program is designed to lessen the financial burden employees may incur from an extended non-work-related injury or illness. Short-term disability insurance specifically addresses absences from work due to one’s own health-related reasons. If you have a qualifying medical condition, this insurance provides a partial replacement of your income.

Key Features:

  • Weekly disability benefits of $15-$1,154
  • Income coverage of up to 66 2/3 percent of your salary
  • Worldwide coverage
  • Waiver of premium if you become disabled

Short-Term Disability Premium Rates

Employee Age on Calendar Year Bi-weekly  Premium Rate Per
$100 of Monthly Covered Payroll
Age 17-49 $0.39
Age 50-69 $0.52

Long-Term Disability Premium Rates

All benefits-eligible employees may enroll in the Long-Term Disability (LTD) Insurance Program. Long-term disability insurance provides income replacement that may be used in conjunction with your annual or sick leave. This program has a 180-day elimination period. Income is replaced at 66 2/3 percent of your pre-disability earnings, reduced by deductible income. If you become disabled before age 62, LTD benefits may continue during disability until you reach age 65. If you become disabled at age 62 or older, the benefit duration is determined by your age when disability begins as indicated in the Standard Insurance Long-Term Disability table.

  • Monthly LTD benefit of $100-$7,500
  • 180-day elimination period
  • Worldwide coverage
  • Waiver of premium while disabled

Rates for long-term disability insurance are also based on your age and monthly wages.

Long-Term Disability Premium Rates

Employee Age on Calendar Year Bi-weekly Premium Rate per $100 of Monthly Covered Payroll
Age less than 25 $0.16
Age 25-29 $0.20
Age 30-34 $0.24
Age 35-39 $0.30
Age 40-44 $0.43
Age 45-49 $0.65
Age 50-54 $0.96
Age 55-59 $1.28
Age 60-64 $1.36
Age 65 and above $1.46

Group Life Insurance

Term life insurance provides coverage equal to an employee's annual salary rounded to the next thousand, plus an additional $2,000.

The cost of the monthly premium is shared with the District. You pay two-thirds of the total cost and the government pays one-third. Additional life insurance levels are available for employees and their dependents at low cost.

Optional life insurance is available at a low cost for employees and their dependents, but employees pay 100 percent of the cost of optional life insurance.

In order to carry newly-elected life insurance coverage into retirement, new coverage must be in effect for the five years of service immediately preceding the retirement date or the entire period of service during which coverage was available (if this period is less than five years).

Standard Insurance Company is the life insurance provider. 

DC Employees' Group Life Insurance Rates
Basic Coverage - Biweekly Rates

  •     $0.065 per $1,000 of coverage
  •     $0.0455 per $1,000 is employee’s share
  •     $0.0195 per $1,000 is District’s share

Option A – "Standard" Biweekly Rates Per $10,000 Coverage

Age Amount
Under 35 $0.317
35-39 $0.396
40-44 $0.634
45-49 $1.03
50-54 $1.742
55-59 $3.564
60 + $5.544

Option B – "Additional" Biweekly Rates Per $1,000 Coverage

Age Amount
Under 35 $0.031
35-39 $0.04
40-44 $0.06
45-49 $0.103
50-54 $0.175
55-59 $0.356
60 + $0.554

Option C – "Family" Biweekly Rates

Option Age <45 Age 45-54 Age 55+
$10,000 spouse life & $10,000/child life $ 0.86 $ 1.62 $ 3.92
$25,000 spouse life & $10,000/child life $ 1.67 $ 3.58 $ 9.32
$50,000 spouse life & $10,000/child life $ 2.99 $ 6.82 $ 18.29

 

Federal Employees' Group Life Insurance

Employees hired before October 1, 1987, are eligible for Federal Employees' Group Life Insurance (FEGLI) that the US Office of Personnel Management administers. Term life insurance provides coverage equal to an employee's annual salary rounded to the next thousand, plus an additional $2,000.

The cost of your monthly premium is shared with the District. You pay two-thirds of the total cost and the District pays one-third. Additional life insurance levels are available for employees and their dependents at a low cost.

Optional Plan Additional Coverage Premium Amount
Option A Standard Provides $10,000 coverage Cost determined by age
Option B Additional Provides coverage up to five times the employee's annual salary Cost determined by age and employee's salary
Option C Family Provides $5,000 coverage for the eligible spouse and $2,500 coverage for each eligible child. Cost determined by age

 

Indemnity Benefit Program