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Staff Life and AD&D

Basic Life

RISD provides staff budgeted to work at least 17.5 hours per week and 910 hours per year Basic Term Life Insurance through The Standard.

Coverage: The plan provides for 100% of annual base salary up to a maximum coverage amount of $50,000.*
* RISD Public Safety Officers’ Association members should refer to their collective bargaining agreement for coverage details.
Start Date: First of the month coinciding with or following the date of hire.
End Date: Coverage ends on the last day of active employment. Participants can convert their group coverage to an individual policy, at their own expense, within 31 days from the end date.
Cost: RISD pays for the full cost of this benefit.


Accidental Death and Dismemberment

RISD provides staff budgeted to work at least 17.5 hours per week and 910 hours per year Accidental Death and Dismemberment Insurance through The Standard.

Coverage: The plan provides benefits up to 200% of annual base salary not to exceed $50,000. Benefits in the event of bodily injury or death due to accidental means (other than natural causes).
Start Date: First of the month coinciding with or following the date of hire.
End Date: Coverage ends on the last day of active employment.
Cost: RISD pays for the full cost of this benefit.


Employee Optional Life

RISD offers staff budgeted to work at least 17.5 hours per week and 910 hours per year Optional Life Insurance through The Standard.

Coverage: The plan provides amounts in multiples of 1x, 2x, 3x, 4x or 5x your annual base salary, not to exceed $750,000.00. Coverage may be subject to underwriting approval if late entrant and/or if initial request is more than 3x annual base salary or $300,000.
Start Date: First of the month coinciding with or following the date of hire.
End Date: Coverage ends on the last day of active employment. Participants have the option to convert their group coverage to an individual policy, at their own expense, within 31 days from the end date.
Cost: Review employee cost for the optional life plans


Spouse Life

RISD offers staff budgeted to work at least 17.5 hours per week and 910 hours per year Spouse Life Insurance through The Standard.

Coverage: The plan provides coverage of $25,000.00, contingent upon the employee having Employee Optional Life coverage.
Start Date: First of the month coinciding with or following the date of hire.
End Date: Coverage ends on the last day of active employment. Participants have the option to convert their group coverage to an individual policy, at their own expense, within 31 days from the end date.
Cost: Review the employee cost for the dependent life plan


Child Life

RISD offers staff budgeted to work at least 17.5 hours per week and 910 hours per year Child Life Insurance through The Standard.

Coverage: The plan provides coverage of $5,000.00 per dependent, contingent upon the employee having Employee Optional Life coverage.
Start Date: First of the month coinciding with or following the date of hire.
End Date: Coverage ends on the last day of active employment. Participants can convert their group coverage to an individual policy, at their own expense, within 31 days of the end date.
Cost: Review the employee cost for the dependent life plan