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Information
Learn about the Life and Disability Insurance plans available to you, how and when you can enroll, filing a claim and additional resources.
Basic Life Insurance
The City pays for $50,000 of Basic Life insurance for benefits eligible employees through The Standard.
Learn more about Basic Life Insurance Paid by City of Portland
When does coverage begin?
On the first day you become covered under the City’s Benefit plan and subsequently on the first day of the plan year (July 1)
Why is this coverage provided?
To protect you (and your family) from any financial effects of death.
Who is the insurance carrier?
The Standard Insurance Company, Policy Number 488980
How do I enroll?
Benefit eligible employees are automatically enrolled.
Although enrollment is automatic, it is important that you review your benefits account to maintain beneficiary information
Do my dependents qualify?
No, Basic Life insurance is only for the employee. However, your dependents may be eligible for supplemental life insurance (see supplemental life insurance plan for details)
What is the cost?
• Full Time – 100% Employer paid
• Part Time – Prorated cost paid by the employee based on standard hours scheduled to work
What is the benefit coverage amount?
$50,000
When does coverage end?
• Last day of the month in which you separate employment or retire
• Last day of the month in which you move into a benefits ineligible position
Can I continue my coverage after I leave employment with the City?
Yes, you can convert your basic life insurance into an individual policy with The Standard Insurance company. You would be responsible for any increased premium associated with an individual policy and payment is made directly to Standard Insurance.
Supplemental Life Insurance
Supplemental Life Insurance is also available, and enrollment in this plan is optional. You pay the premium for this insurance, and the rates are based upon your age. Dependent Life Insurance is an option available to you for eligible dependent children. You pay the premium for this insurance.
Calculate your Life Insurance Needs
How do I enroll in supplemental life insurance?
Because this is a voluntary plan, you need to make an election through your benefits online account.
It is very important that you review and maintain beneficiary information for this insurance policy.
Who is the insurance carrier?
The Standard Insurance Company, Policy Number 488980
When does coverage begin?
On the first day of the month following the date The Standard Insurance company approves your request.
Do my dependents qualify?
Yes, you may purchase supplemental life insurance for your spouse, domestic partner, and/or unmarried children up to age 26. Evidence of Insurability will be required for newly requested coverage.
What is the cost?
Cost is dependent on your age and amount of coverage requested. See supplemental life plan within your online benefits portal.
What is the benefit coverage amount?
You may elect any amount as follows:
• For employee: Any multiple of $10,000 from $20,000 to a maximum of $500,000
• Spouse: Any multiple of $10,000 from $10,000 to a maximum of $300,000 (not to exceed employee amount)
• Child(ren): Any multiple of $5,000, to a maximum of $25,000 (not to exceed employee amount)
Note: You may not be insured simultaneously as both an employee and a spouse/domestic partner or an employee and a child. Children may not be insured by more than one parent.
When does coverage end?
• Last day of the month in which you separate employment or retire
• Last day of the month in which you move into a benefits ineligible position
• Age 75 (This is a Term life policy)
Can I continue my coverage after I leave employment with the City?
Yes, you can “port” your supplemental life insurance with The Standard Insurance company, however the maximum amount you can port is up to $200,000. Information will be provided to you when your coverage ends. Your coverage must be effective before you retire, and premiums must be paid for this coverage through the normal payroll process.
Long-Term Disability
Basic Long-Term Disability
Basic Long Term Disability provides employees with continuing income when unable to work due to an illness or injury that makes them unable to perform work duties on an approved claim. The Basic LTD benefit provides eligible employees with 50% of pre-disability earnings. Long-term Disability begins after a minimum 90-day waiting period.
Buy-Up Long-Term Disability
Employees have the option to elect voluntary Buy-Up LTD, which provides an additional 10% benefit. This option is paid by you if you choose to enroll.
See Long-Term Disability Benefit and Claim Examples
How to Apply
New Hires:
If you were recently hired, you may enroll within 60 days of your date of hire.
All Other Employees:
You may enroll during your annual enrollment period or within 60 days of your Change in Family Status. To enroll, please log into your Benefits Portal.
Before enrolling, review the Supplemental Life Coverage Benefits Summary and Life Term Disability Buy Up Coverage Summary for additional details about the coverage, including costs, exclusions, limitations and reductions.
After the date your coverage becomes effective, you will receive a Certificate of Insurance, which details your coverage provisions.
When you're ready to enroll, log into your Benefits Portal.
Travel Assistance
Things can happen on the road. Passports get stolen or lost. Unforeseen events or circumstances derail travel plans. Medical problems surface at the most inconvenient times. Travel Assistance can help you navigate these issues and more at any time of the day or night.
Employees and their spouse are covered with Travel Assistance — and so are kids through age 25 — with your group insurance from Standard Insurance Company (The Standard).