Life & AD&D Insurance
Basic Life & AD&D is 100% employer-paid. Voluntary coverage is available for you, your spouse, and children.
Employer Paid
$25,000 Basic Life & AD&D — at no cost
Every benefits-eligible full-time employee receives a flat $25,000 of Basic Life & AD&D coverage through Lincoln, fully paid by ELCOC.
Basic Life & AD&D
Key details about your employer-paid life and accidental death & dismemberment coverage.
Benefit Amount
$25,000
Flat benefit for all eligible employees — 100% paid by ELCOC
Eligibility
FT EE's/30+ Hrs
Guaranteed Issue
$25K
Reduction Schedule
To 65% at 75, 40% at 80
Portability
No
Conversion
Yes
Employer Contribution
Paid by ELCOC
Voluntary Life & AD&D
Optional buy-up coverage for you, your spouse, and children. You pay the premium via payroll deduction.
Voluntary Life Cost Calculator
Estimate your bi-weekly per-paycheck cost (26 pay periods/year). Includes AD&D.
Employee
Your Estimated Cost
Total Bi-Weekly Cost
$4.62 /paycheck
$10.00 per month · $120.00 per year
Estimates only. Final premiums are determined by Lincoln Financial based on age as of the effective date and elected coverage. Bi-weekly = monthly × 12 ÷ 26.
Employee Coverage
Increment
$10K Increments
Maximum
$500,000 / 5x Salary
(5x annual salary)
Guarantee Issue
$100,000
Reduction at 65
To 65%
Reduction at 70
To 40%
Reduction at 75
To 25%
Spouse Coverage
Increment
$5,000 Increments
Maximum
$250,000 / 50% of EE
(50% of EE)
Guarantee Issue
$10,000
Child Coverage
Benefit
$10,000
Flat amount per child
Your Benefits Advocate
FBP Advocacy Team
Florida Benefit Plans — personalized support for all your benefits questions.