The city provides comprehensive life insurance for employees and their dependents. The city pays the entire cost of this coverage for the employee and a substantial portion of the cost for additional family coverage. Coverage goes into effect the first day of the month following the date of hire.

Standard Life Insurance Plan
Basic term life insurance coverage in the amount of five times annual base salary rounded to the next higher $1,000, plus $25,000, with a maximum of $350,000 is provided to full-time police officers. The cost of this coverage is paid by the city. Limited coverage for spouse and dependents is available if elected and paid for by the individual employee.

Accidental death and dismemberment insurance coverage in the amount of five times annual base salary rounded to the next higher $1,000, plus $25,000, with a maximum of $350,000 is provided to full-time police officers. This coverage is in addition to the basic term life insurance discussed above. The cost of this coverage is in effect while on-duty or off-duty.

A separate schedule of benefits is available for dismemberment.

Long-Term Insurance Plan
This city-provided benefit provides you with a base plan of financial protection for care that you receive either at home or in a facility when you are not able to perform at least two activities of daily living (i.e., eating, bathing, dressing, continence, transferring, or toileting). This base plan pays a facility benefit of $1,000 per month for up to three years or $500 a month for professional home care up to six years. Other benefit options are available on a voluntary basis, and your immediate family members (spouse, parents, grandparents, and your spouse's parents and grandparents) may also purchase this plan.