Life Insurance

The City of Atlanta provides you with a basic amount of Group Life insurance and Accidental Death and Dismemberment (AD&D) Insurance to help protect your loved ones in the event of your death.

There is an additional “In the Line of Duty” Benefit for First Responders.

The City of Atlanta also provides you with the opportunity to apply for additional life insurance through The Standard for yourself and your dependents. This supplemental coverage may require proof of insurability. For information about Evidence of Insurability requirements and forms, contact DHR – Employee Benefits at 404-330-6036.

  • If you are not actively at work on January 1, you cannot enroll in Basic Life or Supplemental Life.
  • If you are currently enrolled in Supplemental Life, you cannot increase your coverage if you are not actively at work on January 1.
  • If you would like to enroll in Basic Life or increase your Supplemental Life by more than $20,000, you must complete an Evidence of Insurability (EOI) Form and submit for review and approval.

To be eligible for life insurance:

  • You must be an active full-time or part-time permanent employee of the City of Atlanta.
  • For Dependent Life insurance, your spouse/Domestic Partner or children must not be full-time members of the armed forces of any country.
  • The City provides each active employee with $50,000 in life and AD&D coverage.
  • Active employees also can purchase Basic Life and AD&D insurance in the amount of 1 x base salary (no City contribution).
  • The Supplemental Life and AD&D plan allows you to select increments of $10,000 up to $200,000 (no City contribution). Additional supplemental coverage cannot exceed three times an employee’s annual salary.

Spouse/Domestic Partner and child coverage cannot exceed 100% of the employee’s amount of Basic Life insurance.

  • Spouse/Domestic Partner: you may purchase up to $50,000 in coverage, in increments of $5,000, $10,000, $15,000, $25,000, or $50,000. 
  • Child between birth and 26 years: $10,000
  • A Surviving Spouse/Domestic Partner who is insured at the time an employee passes away will be eligible to continue his/her $5,000 Life Insurance coverage.

If you leave employment with the City of Atlanta, you may be eligible to continue your group life insurance from The Standard through the portability provision. Please see your employee benefits representative for additional information.

If your insurance ends because your employment terminates, you may be eligible to convert the terminated coverage to an individual life insurance policy without providing evidence of insurability. Please see your employee benefits representative for additional information.

Under the Accelerated Benefit provisions, you may be eligible to receive up to 100% of your Basic Life insurance and Supplemental Life insurance (up to a maximum of $1,000,000) if you become terminally ill, have a life expectancy of less than 12 months, and meet other eligibility requirements. This benefit allows you to use the proceeds as you desire—whether to cover medical expenses or to maintain your quality of life. The amount paid under the Accelerated Benefit provision would reduce the amount of Basic Life insurance and Supplemental Life insurance payable upon your death.

Active Employees