Sorry, you need to enable JavaScript to visit this website.

DCHR

DCHR

Employee Life and Disability Insurance

Group Life & Disability Insurance Benefits for Employees

Standard Insurance Company is the group life and disability insurance provider for the District of Columbia Government. 

Contact

DC Employee Group Life Insurance (Employees Hired on or After October 1, 1987)

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.

Please Note: Dependents up to age 21 (age 24 for students) may be eligible for Life Insurance Option C coverage. Please see Dependent Eligibility Verification for more information.

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).

Group Life Insurance Rates

Basic Coverage Biweekly Rates

  •     $0.065 per $1,000 of coverage

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

Age

Amount

<35

$0.35

35-39

$0.42

40-44

$0.57

45-49

$0.92

50-54

$1.49

55-59

$3.00

60+

$4.52


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

Age

Amount

<35

$0.034

35-39

$0.042

40-44

$0.058

45-49

$0.095

50-54

$0.156

55-59

$0.317

60+

$0.48

 

Option C: "Family" Biweekly Rates

Option

Age <45

Age 45-54

Age 55+

$10,000 spouse life & $10,000/child life

$0.77

$1.46

$3.53

$25,000 spouse life & $10,000/child life

$1.50

$3.22

$8.39

$50,000 spouse life & $10,000/child life

$2.69

$6.14

$16.46

 

Top

Federal Employee Group Life Insurance (Employees Hired Before October 1, 1987)

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.

Option A Standard

The Option A life insurance amount is $10,000. The cost of Option A insurance depends on your age, in five-year age brackets. When you have a birthday that moves you to another age group, you will begin paying the premiums for the new age group in the first pay period that starts after your birthday.

Additional Coverage

Premium Amount

$10,000 coverage

Cost determined by age


Option B Additional (Number of Multiples = 5)

You may elect Option B life insurance in an amount equal to one, two, three, four, or five times your annual basic pay (after rounding up to the next $1,000). The cost of Option B insurance depends on your age, in five-year age brackets. When you have a birthday that moves you to another age group, you will begin paying the premiums for the new age group in the first pay period that starts after your birthday.

Additional Coverage

Premium Amount

Coverage up to five times the employee's annual salary

Cost determined by age and employee's salary


Option C Family (Number of Multiples = 5)

Option C provides life insurance for your spouse and eligible dependent children. When you elect Option C coverage, all of your eligible family members are automatically covered. You may choose one, two, three, four, or five multiples of coverage. Each multiple is equal to $5,000.00 for your spouse, and $2,500.00 for each of your eligible children. You, as the insured enrollee, receive the life insurance payment when an eligible family member dies.

Additional Coverage

Premium Amount

1 Multiple = $5,000 coverage for the eligible spouse
1 Multiple = $2,500 coverage for each eligible child
Maximum is up to 5 multiples

Cost determined by age

 

 

Top

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 and coverage lasts for six months. Income is replaced at 66 2/3 percent of the employee’s base pay reduced by deductible income. 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.

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-$1,385
  • Income coverage of up to 66 2/3 percent of your salary
  • Worldwide coverage
  • Waiver of premium while disabled

Short Term Disability Premium Rates

Employee Age on Calendar Year

Biweekly Premium Rate
Per $100 of Monthly Covered Benefit

Age 17-49 $0.47
Age 50-69 $0.61


Top

Long Term Disability Program

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. 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.

  • Monthly LTD benefit of $100-$6,000
  • 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

Biweekly Premium Rate
Per $100 of Monthly Covered Benefit

< Age 25 $0.17
Age 25-29 $0.21
Age 30-34 $0.25
Age 35-39 $0.32
Age 40-44 $0.47
Age 45-49 $0.70
Age 50-54 $1.04
Age 55-59 $1.38
Age 60-64 $1.47
Age 65+ $1.58

 

Top