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Family at a Beach

Life Insurance and 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 ($400,000 maximum).*

AD&D Benefits

Benefit-eligible employees automatically receive Chelan PUD-paid AD&D insurance equal to 1x your eligible pay ($400,000 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.

You are automatically the beneficiary for your family members covered by supplemental life insurance.

To view your life and AD&D insurance beneficiaries, visit: PeopleSoft Self Service (link works while logged in to a District computer only).

Supplemental Life Insurance

You may choose to purchase additional life insurance for you, your spouse or domestic partner, and your child(ren). The cost depends on your age and coverage amount.

  • Employee – You may purchase supplemental life insurance at 1x, 2x, 3x, or 4x your eligible earnings (to $700,000 max).*

  • Spouse/domestic partner – You may purchase supplemental life insurance for your spouse or domestic partner, up to an amount equal to 100% of your employer-paid and voluntary coverage, or $100,000 (whichever is less).*

  • Children – You may purchase dependent child life insurance. The coverage amount is $10,000 per child, and one premium covers all children under 26.


You can purchase coverage for your spouse/domestic partner and children even if you don’t purchase coverage for yourself. For your domestic partner to be eligible, your partnership must meet Washington State requirements (find them here) and you must provide HR with a notarized Domestic Partnership Declaration form, which you can get from HR.


Evidence of Insurability (EOI)

Usually you must provide EOI (proof of good health) and get insurance company approval for supplemental insurance.

One-time opportunity to enroll without EOI!

If you enroll within 30 days of the date you are first eligible, you can get up to the guaranteed issue without EOI. If you’re eligible but not currently enrolled, you have a limited-time opportunity to purchase supplemental life insurance without EOI during the open enrollment period.

The guaranteed issue is:

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

  • Spouse/domestic partner: $30,000 (also applies within 30 days of marriage).


Enrollment for you or your spouse/domestic partner at any other time requires EOI. Children do not require EOI.

* If still working at age 75, all life and AD&D coverage amounts for you and your spouse will be reduced to 50% of the original amount. For example, if you had $10,000 in coverage at age 74, you would have $5,000 in coverage upon turning 75.

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