Life and AD&D

Group Term Life Insurance provides financial protection to employees and their families in the event of the insured individual's death. It can help cover funeral expenses, outstanding debts, and provide financial support to the beneficiaries.

Accidental Death and Dismemberment (AD&D) Insurance provides coverage in the event of an accidental death, dismemberment, or loss of certain bodily functions due to an accident. Unlike traditional life insurance, AD&D coverage is limited to accidents only and does not cover death resulting from natural causes or illnesses.

Basic Life and AD&D

KISD provides to all benefit-eligible employees $10,000 of Basic Life and AD&D insurance coverage at no cost to you, as long as you remain employed with Klein ISD and meet the plan eligibility requirements. This coverage is portable or convertible upon separation of service from KISD.

Voluntary Life and AD&D

Voluntary Life and AD&D insurance allows you purchase additional coverage on yourself and your eligible dependents. This coverage will remain active as long as you meet the eligibility requirements in place by KISD and the insurance carrier. This coverage is portable or convertible upon separation of service from KISD.

• Employees may elect up to 7 times annual salary in increments of $10,000 (not to exceed $500,000).

• Spouse coverage may be elected up to 100% of employee amount in increments of $10,000 (not to exceed $500,000).

• Child coverage may be elected in increments of $5,000 up to $10,000.

• Employees electing coverage during their initial new hire enrollment window can get up the guaranteed issue limits without answering health questions.

  • Employee - $300,000

  • Spouse - $50,000

  • Child(ren) - $10,000