Supplemental Term Life Insurance

Minnesota Life Customer Service: 1.866.293.6047

Forms and Resources

How the Plan Works

Supplemental life insurance provides financial protection to you and your family in case of the unfortunate events. Benefits are disbursed to the beneficiaries in a lump sum to help pay for current and future expenses such as funeral, loans, mortgage and college tuition, etc. This plan is insured with Minnesota Life, and you can elect coverage for yourself and your eligible dependents including your spouse/domestic partner and/or your child(ren) under age 26. Evidence of insurability (EOI) may needed when elect more than guaranteed coverage and exceed amount is subject to Minnesota Life approval.

For more information on the plan, please refer to the Certificate of Insurance.


Eligibility for this Insurance is governed by your Memorandum of Understanding (MOU), Exempt Compensation Plan, salary ordinance, or contract (dependent coverage is not available). Once you have met the eligibility requirements, you may enroll initially within 60 days of your date of hire, or you may wait and enroll during the annual Open Enrollment.

Coverage Options

Employee coverage: $10,000 increment, up to $700,000. Guaranteed coverage amount is $250,000.

Spouse/domestic partner coverage: $10,000 increment, up to $250,000. This coverage cannot more than your total combined basic and supplemental life benefits, up to $250,000. Your spouse/domestic partner may subject to EOI requirements. Please refer to the EOI section below for details.

Child(ren) coverage: $5,000 increments, up to $20,000. This coverage cannot more than your total combined basic and supplemental life benefits, up to $20,000. All amounts are guaranteed and one election covers all eligible child(ren) under age 26.


Whether you are enrolling for the first time or making changes to existing coverage, you have to fill out an enrollment form within 60 days of hire date or qualifying event date, and submit it to your Payroll Specialist, or enroll through EMACS self-service during the annual Open Enrollment.

Cost of Coverage

Your cost per pay period is as follows:


*Supplemental term life insurance coverage amount will be reduced on the date an employee reaches 70, 75, and 80. For employees who enroll and who have already reached age 70, the reduction becomes effective on the supplemental term life insurance effective date.

These costs are subject to change. For reduction amounts and specific information regarding Supplemental Term Life Insurance, please refer to the Certificate of Insurance.

Evidence of Insurability (EOI)

EOI, commonly known as proof of good health, will be required when you elect employee coverage of more than $250,000. Your spouse/domestic partner may be subject to EOI requirements when they elect coverage of more than $50,000 or when they enroll under one of the EOI-required enrollment opportunities as listed below.


Minnesota Life will require you or your spouse/domestic partner to complete a health questionnaire and/or physical exam before the requested coverage is approved. The effective date of the approved coverage is subject to insurance company approval. If you are denied on the exceed coverage, your Supplemental Term Life Insurance will be limited to the guaranteed coverage. For example, if you elect $500,000 of coverage for yourself, you will be required to provide EOI to the carrier. If you are denied coverage about $250,000, your Supplemental Life benefit will be limited to $250,000.

For more information on the plan, please refer to the Certificate of Insurance.


Your employee life insurance benefits will be automatically paid to your beneficiary in the following order when you do not make any beneficiary designation:

  1. Surviving spouse/domestic partner
  2. Surviving children
  3. Your parents
  4. Your siblings
  5. Your estate

If more than one beneficiary becomes entitled to your benefits, they will share the benefits equally.
You are the beneficiary of your spouse/domestic partner/children supplemental life benefits if living, otherwise benefit will be paid to your estate.
To change the automatic beneficiary arrangement, you must complete the Beneficiary Designation Form. If you elect to designate a beneficiary other than your spouse/domestic partner, you must have his or her written consent.

When Coverage Ends

Your coverage will terminate if:

  • You cancel your coverage
  • You cease to be an eligible employee
  • You fail to pay your required premiums when due
  • The master contract is terminated
  • You are on an approved leave of absence for more than 12 months

Once your group insurance coverage has terminated, you may be eligible to continue your Supplemental Term Life Insurance coverage under the portability benefit or conversion option. Premiums will be higher.

County of San Bernardino © 2015. All rights reserved. | Privacy Policy | E-mail Webmaster | Disclaimer | Accessibility

157 West Fifth Street, First Floor • San Bernardino, CA 92415-0440 • Phone 909.387.5787 • TTY Users 711 • Fax 909.387.5566