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LIFE AND AD&D INSURANCE

TERM LIFE INSURANCE FOR MEMBERS ON ACTIVE DUTY:

As a fundamental element of any benefits package, group Life insurance helps protect you and your loved ones from financial hardships related to an untimely death. That’s why the Los Angeles Police Relief Association (LAPRA) has contracted with UnitedHealthcare, to provide our Basic and Additional Life and Accidental Death & Dismemberment (AD&D) insurance.  When caused as a result of a covered accident, AD&D Insurance doubles your coverage and also pays benefits in the event of loss of a limb or sight.

How It Works – Basic Life and AD&D

LAPRA provides active LAPRA Members and Recruits who are enrolled to become LAPRA Members with $15,000 of Basic Life and $15,000 of Basic AD&D coverage AT NO COST TO YOU.  In addition, you may enroll for the Additional Life and AD&D Insurance.

Who is Eligible to enroll in Additional Life and AD&D?

You are eligible to enroll if you are an active LAPRA Member or enrolled to become an active LAPRA Member.

You have the option of choosing one of the following plans:

Benefits-at-a-Glance - Additional Life and AD&D

*Dependents include your spouse or registered domestic partner and children to age 21 (age 25 if a full-time student). Coverage for children less than six months old is $700.

The foregoing illustration of benefits is provided for your convenience, and is subject to all terms, conditions, provisions, limitations and exclusions of the UnitedHealthcare Group Insurance Contract.  Please read your Group Insurance Booklet for complete details on benefits.

CONTINUED BENEFIT FOR RETIRED MEMBERS WHO ENROLLED WHILE ACTIVE:

What happens when I retire?

If you were enrolled for Additional Life and AD&D insurance as an active Member, you may continue your coverage into retirement.  Upon retirement, Additional Life and AD&D coverage levels will vary depending upon your age and the plan you were enrolled in as an active Member.  Please refer to the benefits schedule below.

*Dependents include your spouse or registered domestic partner and children to age 21 (age 25 if a full-time student). Coverage for children less than six months old is $700.

The foregoing illustration of benefits is provided for your convenience, and is subject to all terms, conditions, provisions, limitations and exclusions of the UnitedHealthcare Group Insurance Contract.  Please read your Group Insurance Booklet for complete details on benefits.

What happens if I don’t enroll for Additional Life and AD&D when I’m first eligible or if I elect to increase my coverage amount at a later date?

If you don’t enroll for Additional Life and AD&D insurance within 31 days of first being eligible, or if you elect to increase your coverage amount at a later date, you will be required to complete an Evidence of Insurability form.  Your coverage will not be effective unless approved, in writing, by UnitedHealthcare.