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Family at a Beach

Life Insurance & AD&D 

The Chelan PUD benefits program coverage includes life insurance and accidental death and dismemberment (AD&D) insurance to protect you and your family in case of death or certain serious injuries.


  • Life Insurance

  • AD&D Insurance

Life Insurance 

Benefit-eligible employees automatically receive Chelan PUD-paid Basic Life  Insurance equal to 1x your eligible pay rounded to the next $1,000, ($350,000 maximum).

AD&D Benefits

Benefit-eligible employees automatically receive Chelan PUD-paid AD&D Insurance equal to 1x your eligible pay rounded to the next $1,000, ($350,000 maximum).

If you lose a hand, foot, sight, mobility — or a similar type of injury — the plan could pay you a percentage of your coverage amount. The amount varies based on the type of loss. See the Power of Benefits Handbook for details.


Your beneficiary

If you die, benefits will be paid to your beneficiaries. You may designate one or more beneficiaries. For two or more beneficiaries, your benefit will be paid in equal share unless otherwise designated by you.


To view your life and AD&D insurance beneficiaries, visit: PeopleSoft Self Service

(Link works while logged in to a District computer only). You are automatically the beneficiary for your family members covered by voluntary life insurance.

Voluntary Life Insurance

You may choose to purchase additional life insurance for you, your spouse, and your child(ren).

  • The cost depends on your age and coverage amount.

    • Employee – You may purchase voluntary life insurance at 1x, 2x, 3x, 4x your eligible earnings (to $600,000 max).

    • Spouse – You must be enrolled in voluntary life insurance to purchase voluntary life insurance for your spouse, at the following levels: $10,000, ½ your salary, or one times your salary. The amount pur­chased cannot exceed 50% of your voluntary life insurance.

    • Children – You must be enrolled in voluntary life to purchase dependent child life insurance. The coverage is $10,000 per child. One premium covers all children under 23.


Evidence of Insurability (EOI) – Usually you must provide EOI (proof of good health) and get insurance company approval for voluntary insurance.


If you enroll within 31 days of the date you are first eligible, you can get up to the guaranteed issue without EOI. The guaranteed issue is:

  • Employee:  Up to 4x your salary (not to exceed $250,000)

  • Spouse: $10,000 (also within 31 days of marriage).


Enrollment for you and your spouse at any other time requires EOI. Children do not require EOI.

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