Life and AD&D Insurance

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. If your death results from a covered accident, AD&D Insurance doubles your coverage and also pays benefits in the event of loss of a limb or sight.

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

Basic Life and AD&D


LAPRA provides active 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.



Life Insurance
$15,000
AD&D Insurance
$15,000
Cost to you
$0

Additional Life and AD&D


If you need more than Basic Life and Basic AD&D protection, you may enroll in an Additional Life and AD&D Insurance plan. Your cost per pay period is based on your age and selected coverage, as shown in the tables below. If you enroll on the date of your new recruit class, your coverage will become effective on that day.

It is to your advantage to enroll in Additional Life and AD&D within 31 days of first being eligible; otherwise, you will be required to complete an Evidence of Insurability form if you choose to enroll at a later date. An Evidence of Insurability form also will be required if you elect to increase your coverage at a later date. Your coverage will not be effective unless approved, in writing, by UnitedHealthcare.


RECRUITS AND ACTIVE MEMBERS UNDER AGE 70
 
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
Plan 6
Member Death Benefit
$5,700
$36,300
$60,400
$86,300
$172,500
$225,000
AD&D Coverage
$5,700
$36,300
$60,400
$86,300
$172,500
$225,000
Dependent* Death Benefit
$0
$6,900
$6.900
$6,900
$6,900
$6,900
AD&D Coverage
$0
$6,900
$6,900
$6,900
$6,900
$6,900
Cost Per Pay-Period
$0.81
$4.25
$6.04
$8.62
$15.97
$22.75


ACTIVE MEMBERS AGE 70 AND OLDER
 
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
Plan 6
Member Death Benefit
$2,200
$13,000
$13,000
$13,000
$13,000
$13,000
AD&D Coverage
$2,200
$13,000
$13,000
$13,000
$13,000
$13,000
Dependent* Death Benefit
$0
$6,500
$6,500
$6,500
$6,500
$6,500
AD&D Coverage
$0
$0
$0
$0
$0
$0
Cost Per Pay-Period
$0.81
$4.25
$4.25
$4.25
$4.25
$4.25

* Dependents include your spouse or registered domestic partner and children to age 26. Coverage for children less than six months old is $700.


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Life Insurance for Retired Members Who Enrolled While Active

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.


RETIRED MEMBERS UNDER AGE 65
 
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
Plan 6
Member Death Benefit
$4,400
$25,900
$43,200
$43,200
$43,200
$50,000
AD&D Coverage
$4,400
$25,900
$43,200
$43,200
$43,200
$50,000
Dependent* Death Benefit
$0
$6,900
$6,900
$6,900
$6,900
$6,900
AD&D Coverage
$0
$0
$0
$0
$0
$0
Cost Per Month
$1.62
$8.50
$12.08
$12.08
$12.08
$15.25



RETIRED MEMBERS AGE 65 THROUGH 69
 
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
Plan 6
Member Death Benefit
$2,200
$13,000
$13,000
$13,000
$13,000
$13,000
AD&D Coverage
$2,200
$13,000
$13,000
$13,000
$13,000
$13,000
Dependent* Death Benefit
$0
$6,500
$6,500
$6,500
$6,500
$6,500
AD&D Coverage
$0
$0
$0
$0
$0
$0
Cost Per Month
$1.62
$8.50
$8.50
$8.50
$8.50
$8.50



RETIRED MEMBERS AGE 70 AND OLDER
 
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
Plan 6
Member Death Benefit
$0
$6,900
$6,900
$6,900
$6,900
$6,900
AD&D Coverage
$0
$0
$0
$0
$0
$0
Dependent* Death Benefit
$0
$3,500
$3,500
$3,500
$3,500
$3,500
AD&D Coverage
$0
$0
$0
$0
$0
$0
Cost Per Month
N/A
$8.50
$8.50
$8.50
$8.50
$8.50

* Dependents include your spouse or registered domestic partner and children to age 26. Coverage for children less than six months old is $700.



This brief description of benefits is provided for your convenience and is subject to all terms, conditions, limitations and exclusions of the UnitedHealthcare Group Insurance Contract. Please refer to your Group Insurance Booklet for details on your benefits.


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