Life Insurance
2027 Benefits
The maximum for Supplemental Life increases to $500,000. Dependent Life is changed to Spouse Life and/or Child Life with higher coverage options and variable rates for Spouse Life based on their age (some rates may increase).
Open Enrollment for 2027 benefits will be from October 26 to November 9, 2026.
Pinellas County’s life insurance plans are administered by Securian Financial. Plan documents are issued by Minnesota Life Insurance, a Securian affiliate.
Links
- Enrollment
- Evidence of Insurability Form
- Group Life Insurance Plan
- Qualifying Event Status Change Form
Basic Coverage
- No cost to the employee.
- The County provides basic group term life insurance to all permanent full-time employees working 40 hours a week at no cost in an amount equal to your annual salary rounded up to the next $1,000.
- Example: If you work 40 hours a week and your salary is $43,500, you receive $44,000 in life insurance at no cost.
- The County provides a pro-rated amount of basic group term life insurance to all permanent employees who work 20-39 hours per week (i.e., the amount is adjusted based on your work hours).
- Example: If your salary is $43,500 and you work 20 hours a week, you receive $22,000 in life insurance at no cost.
Life Insurance Resources
- Website: www.securian.com/pinellas-insurance (coverage options, costs, and educational resources).
- For questions, contact Employee Benefits by email or phone at (727) 464-3367, option 1.
Supplemental Coverage
You may purchase supplemental life insurance in addition to the basic coverage.
- The employee pays 100% of the cost.
- Supplemental coverage is available in multiples of $5,000, up to $250,000 in 2026 and $500,000 in 2027.
- No evidence of insurability or medical examination is required if the coverage is purchased at the time of initial eligibility (i.e., for a new hire or if you change from temporary to permanent status), provided the optional coverage does not exceed three times the base salary.
- Rates for life insurance coverage are based on your age group (see Supplemental Life Insurance Cost chart).
- Moving to a new age group becomes effective on the first day of the month after your birthday.
- If you apply during a non-enrollment period or request more than $20,000 coverage, you need to submit Securian’s Evidence of Insurability form.
- You may cancel coverage at any time by submitting a Qualifying Event Status Change Form to Employee Benefits.
2026 and 2027 Supplemental Life Insurance Cost
| Age Group | Rate Per Pay Per $1,000 |
|---|---|
| <30 | $.065 |
| 30-39 | $.097 |
| 40-49 | $.125 |
| 50-59 | $.249 |
| 60-69 | $.605 |
| 70+ | $1.218 |
Example:
If you are 45 years old, the cost to purchase $20,000 in supplemental life insurance is $2.50 per pay period.
Reduction in Coverage at Age 65
There is a reduction in coverage provision built into both the basic and supplemental life insurance plans beginning at age 65. See the Life Insurance Coverage Reduction chart.
Example:
If Tim has $60,000 in life insurance, when he turns 65, his policy value will be reduced to a value of 65% which is $39,000. When Tim turns 70, his policy value will be reduced to a value of 45% which is $27,000. When he turns 75, the policy value will be reduced to a 30% value which is $18,000 and when he turns 80, the value will be reduced to a 20% value of $12,000.
Life Insurance Coverage Reduction
| Age Group | Value of Policy |
|---|---|
| <65 | no reduction |
| 65-69 | 65% |
| 70-74 | 45% |
| 75-79 | 30% |
| 80 and over | 20% |
2026 Dependent Life Insurance
You may purchase supplemental life insurance for your spouse or dependents. You will receive the benefit payment if the person dies while covered under the policy.
- Employee pays 100% of the cost.
- Dependent life insurance does not require a beneficiary designation. The employee is the beneficiary.
- There are two package options offered based on the coverage desired. The cost is the same regardless of the number of people you are covering.
- Coverage for dependent children is from live birth through age 25. Continued coverage may be available for disabled children. Refer to the definition of a child in the Group Life Insurance Policy for more information.
- EMPLOYEE DEPENDENTS: If you and your dependent (spouse or child) both work for the County, you may not cover each other for dependent life insurance. If both parents work for the County, your dependent children can only be covered by one parent, not both.
- You may cancel coverage at any time by submitting a Qualifying Event Status Change Form to Employee Benefits.
2026 Dependent Life Insurance Rates
| Options | Biweekly Rate |
|---|---|
| $10,000 coverage for spouse and $5,000 for child(ren) | $1.66 |
| $20,000 coverage for spouse and $10,000 for child(ren) | $3.18 |
Examples:
Jane wants $10,000 coverage for her husband but has no children; she selects Option 1. Tom wants $20,000 coverage for his wife and $10,000 coverage for his five children; he selects Option 2.
2027 Dependent Life Insurance Changed to Spouse and/or Child Life
Starting January 1, 2027, the Dependent Life Insurance program is changed to Spouse Life and/or Child Life. You may purchase coverage for your spouse or children and will receive the benefit payment if the person dies while covered under the policy. You pay 100% of the cost. The maximum available for spouse coverage has been increased from $20,000 to $250,000, and rates vary according to your spouse’s age as shown in the table below. The maximum available for child coverage has been increased from $10,000 to $20,000.
EMPLOYEE DEPENDENTS: If you and your dependent (spouse or child) both work for the County, you may not cover each other for Spouse and/or Child Life. If both parents work for the County, your dependent children can only be covered by one parent, not both.
2027 Spouse Life Insurance Rates
You can cover your spouse in $5,000 increments, up to $250,000 (replaces Dependent Life Insurance)
| Spouse Age | Rate Per Pay Per $1,000 |
|---|---|
| <30 | $.091 |
| 30-39 | $.140 |
| 40-49 | $.181 |
| 50-59 | $.368 |
| 60-69 | $.901 |
| 70+ | $1.822 |
Examples:
Tom wants $60,000 coverage for his wife who is age 42, and the rate is $10.86/biweekly. If his wife is age 76, the rate is $109.32/biweekly.
2027 Child Life Insurance Rates
You can cover your children in $5,000 increments, up to $20,000 (replaces Dependent Life Insurance). The same rate applies, regardless of the number of children covered.
| Options | Rate Per Pay Per $1,000 |
|---|---|
| Child(ren) coverage up to $20,000 | $.058 |
Examples:
Carlos wants $20,000 coverage for his 3 children, and his rate is $1.16/biweekly. Maria wants $5,000 for her 1 child and her rate is $.29/biweekly.
Beneficiary Designation
- You may designate or change your life insurance beneficiary at any time. Keep this in mind if you have a change of status event such as a marriage. See Tips for Naming a Beneficiary.
- To name a person(s) as your beneficiary in 2026, use EBS (OPUS):
- EBS (OPUS) > PIN Employee Self Service > Benefits > Beneficiaries > Update Beneficiaries
- You will need to enter the Social Security number for your beneficiary.
- To name a person(s) as your beneficiary in 2027, you will use Workday and do not need to enter a Social Security number.
- To name a trust, charitable organization or your estate as your beneficiary, complete the Life Insurance Beneficiary Designation Form.
Accidental Death and Dismemberment Benefit
- An AD&D (Accidental Death and Dismemberment) provision applies to both the employee’s County-paid basic coverage and employee-paid supplemental coverage and is included in the rate.
- This benefit increases the amount payable for certain types of dismemberment or accidental death.
- AD&D does not apply to spouse/children optional dependent coverage.
- For more information, see the Life Insurance Plan.
Disability and Terminal Illness Waiver
- The Life Insurance Plan contains a provision to waive premium and continue coverage for employees who are totally disabled for at least six consecutive months.
- There is an accelerated death benefit to provide immediate payment for terminally ill employees with a life expectancy of 12 months or less if under age 60. See the Life Insurance Plan for more information.
Leaving Employment
Upon leaving County employment, there are a few options to continue your life insurance coverage. Elections must be made within 31 days from your last day of coverage:
- If you are retiring, the basic life insurance amount may be continued as a Pinellas County retiree. See Retiree Life Insurance.
- If you are not retiring, you may be able to continue your coverage with Securian:
- Log in to the Securian Coverage Continuation site with policy number 34740 and access key of Pinellas to review options, calculate costs, and obtain application forms.
- For assistance, call (866) 365-2374.
Additional Benefits
Securian provides other benefits to employees covered by the life insurance plan at no additional cost including:
- Legal, Financial and Grief Resources. Visit LifeBenefits.com/LFG (user name: lfg and password: resources) or call (877) 849-6034.
- Travel Assistance. Visit LifeBenefits.com/travel or call (855) 516-5433.
- Legacy planning resources. Visit Securian.com/legacy.
- Beneficiary financial counseling. Beneficiaries receiving $25,000 or more will be invited to take advantage of this program when the life insurance claim is paid.
10/16/26