Life Insurance

Peace Of Mind

Harris County offers you two life insurance opportunities:

  • Automatic enrollment at no cost
  • Optional enrollment in an additional term life policy for employees
AUTOMATIC ENROLLMENT

The County currently provides a basic level of Life insurance and Accidental Death & Dismemberment (AD&D) insurance, through BlueCross BlueShield of Texas, to eligible employees at no cost. This benefit helps protect your family in the event of your death or accidental injury.

  • Employees have a Life insurance benefit of $30,000 and an AD&D benefit of $5,000.
    • All Dependent Life insurance terminates when the employee retires.
    • Retirees have a Life insurance benefit of $15,000.
  • Dependent Life is provided at $5,000 for a covered spouse and $2,000 for covered children up to age 26 at no cost to you.

Dependent life insurance is only available to covered dependents on the employee's health/dental/vision plan. 

If you die while insured for Life insurance, or if you have an accident while insured for AD&D insurance, and the accident results in loss, BlueCross BlueShield of Texas will pay benefits according to the terms of the Group Policy after receiving proof of loss.

For AD&D insurance, loss means loss of life, hand, foot, or sight, which is caused solely and directly by an accident, occurs independently of all other causes, and occurs within 365 days after the accident.

OPTIONAL TERM LIFE INSURANCE

You can purchase additional Life insurance equal to one, two, or three times your annual salary up to a maximum of $450,000. If your salary or wage changes, your insurance amount will change on the next plan year.

IMPUTED INCOME: Any pre-tax life insurance provided under the County plans in excess of $50,000 is subject to annual taxation. Employees electing to increase their optional life insurance are required to complete an Evidence of Insurability (EOI) form and be approved by BlueCross BlueShield of Texas before additional coverage will be effective.

WAIVER OF PREMIUM

Under the terms of your Group Life policy, if you become totally and permanently disabled for at least 6 months prior to age 60, your Life insurance coverage may be continued. The application process for Waiver of Premium must be completed within 6 months of your last day actively at work, and coverage will continue to age 65. After age 65, you have the option of converting some or all of your coverage to permanent insurance.

Rates may change as the insured enters a higher age category. Also, rates may change if plan experience requires a change for all insureds.

*These amounts will be calculated on your enrollment form according to your age and/or salary at the time of enrollment.

This summary is for illustrative purposes only and does not constitute a contract. The full terms and conditions of the coverage are contained in the policies provided. If there is any discrepancy between this benefit description and the policy, the terms of the policy will control. BlueCross BlueShield of Texas is the trade name of Dearborn Life Insurance Company, an independent licensee of the BlueCross BlueShield Association. BLUECROSS®, BLUESHIELD® and the Cross and Shield Symbols are registered service marks of the BlueCross BlueShield Association, an association of independent BlueCross BlueShield Plans.