Life Insurance

Employer-Paid Basic Life & Accidental Death & Dismemberment (AD&D)

Colquitt County Schools provides all eligible employees a $10,000 life and AD&D benefit at no cost to you. The AD&D benefit provides an additional payment in the event of a death or loss of limb(s), speech, hearing, and more caused by a covered accident.


Employee, Spouse, and Child Term Life and AD&D (employee-paid option)

You may elect life and AD&D insurance in the amount of $10,000, $20,000, $30,000 or $40,000 to supplement the employer-paid benefit. You may elect $10,000 of term life insurance on your spouse, regardless of spouse age.  You may also elect term life insurance coverage for your children up to age 26 (or disabled children with no limiting age) in the amount of $15,000 per child.  


Employee & Spouse Voluntary Life (employee-paid option)

In addition to the previously described employee-paid options, you may elect term life insurance coverage for yourself (up to the lesser of 5 times earnings or $500,000) and your spouse (up to $200,000). 


Important Notes

  • All life insurance options include a reduction of benefits beginning at age 65. Life insurance reduced to 65% at age 65, to 50% at age 70, and to 30% at age 75.
  • Employees who request an amount above the Guarantee Issue must answer health questions for coverage approval (Evidence of Insurability Form).  An EOI Form may be obtained from the benefits website or the Benefits Service Center.  Any pended elections will be noted on your Benefits Confirmation Statement. 


Carrier Information: Prudential -  |  (800) 944-8786

Benefit Summary

Plan Certificate   |   Plan Rider

Evidence of Insurability Form

Beneficiary Guide   |  Life Insurance Beneficiary FAQ