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Life And Long-Term Disability

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Basic Life
This benefit is provided by the district (at no cost to the employee) consisting of a $50,000 term-life and $50,000 accidental death and dismemberment policy.

Supplemental Life
Full-time employees may purchase supplemental life with a minimum purchase of $50,000, then in increments of $50,000 up to $200,000 not to exceed $300,000. There is a Guaranteed Issue amount of $200,000. Any employee applying for an amount over $200,000 will need to complete an Evidence of Insurability form, subject to approval by the Carrier. Late Enrollees (anyone applying more than 30 days after hire date) applying for any amount will need to complete an Evidence of Insurability form, subject to approval by the Carrier. Premiums automatically increase at certain age levels.

Dependent Life
Full-time employees may elect dependent term life insurance of $10,000 for a spouse and $5,000 for each eligible dependent to age 26. This is the only spouse/dependent life insurance provided through Amarillo ISD.  

Spousal Life Insurance
Employees who have elected a supplemental life policy may purchase a policy for their spouse at half the amount of the policy held by the employee. Policy values are in increments of $25,000 with a maximum of $150,000.

Please note that if both spouses work for the District, they cannot cover each other under spousal life but can still list each other as beneficiaries on supplemental life.

Long-Term Disability
The district provides each full-time employee with a long-term disability benefit equal to 40 percent of his/her pre-disability income. Employees may “buy-up” to 60 percent or 66.67 percent within the first 30 days of employment without proof of insurability. The benefits are subject to a 90-day elimination period or the employee’s sick days, whichever is longer. Premiums automatically increase at certain age levels.

Additional policy information and links: