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Life insurance and Long Term Disability

To paraphrase a television ad, “Life insurance isn’t for you. It’s for the ones you leave behind.” Life insurance is an important part of your financial security, especially if others depend on you for support. Even if you’re single, your beneficiary can use your life insurance to pay off your debts and other final expenses.

ISD 279 - Osseo Area Schools provides for you at no cost:

  • Basic Life Insurance*
  • Basic Accidental Death and Dismemberment (AD&D)*

For employees who are eligible to purchase additional life insurance with AD&D, called "Supplemental Life" insurance, refer to the age and rate chart in the Benefits Booklet.

*Refer to your “Terms and Conditions of Employment” for the amount of Basic and AD&D Life Insurance the District provides.

Life Insurance: A policy that pays benefits to the beneficiary if the employee passed away.   

Accidental Death and Dismemberment Insurance:  A policy that pays benefits to the beneficiary if the cause of death is due to an accident.   A portion of the policy will also be paid if the covered employee loses a bodily appendage or sight because of an accident.  


Life Insurance Enrollment/Change Form


Human Resources