Life and Accidental Death & Dismemberment

​Financial support during difficult times

  • The district automatically provides $20,000 in basic life insurance and $20,000 in AD&D insurance if you’re eligible for benefits. Assistant principals and other administrators may be eligible for more.
  • Life insurance benefits pay your beneficiary if you die while covered, subject to policy exclusions. AD&D insurance benefits pay you or your beneficiary if you have a covered loss as the direct result of an accident.
  • SunLife is the provider for this term-life coverage.
  • You can purchase additional coverage for yourself, your spouse and your children.
Supplementing your coverage

You can purchase additional life and AD&D insurance.

  • Available in increments of $10,000, the maximum coverage level is $300,000 for AD&D insurance. 

  • During annual enrollment (if you were previously enrolled), you may increase your coverage to an amount equal to your base salary without providing evidence of insurability (EOI). Additional coverage may be added pending EOI approval.

  • New employees may elect up to $300,000 without providing EOI.

Spouse and child coverage

Spouse coverage

You can also purchase supplemental life for your spouse.

  • Spouse life insurance coverage is now offered beyond age 65, rates are based on spouse age.

  • Your combined basic and supplemental coverage must be greater than or equal to two times the spousal benefit.

  • Each annual enrollment, you may increase spouse life coverage to the next level without evidence of insurability, as long as it does not exceed half of your combined basic and supplemental coverage.

  • If both you and your spouse work for the district, neither of you should enroll in spouse life.

Child coverage

You may cover your children up to age 26. No evidence of insurability is required. Your cost for child life coverage is the same, no matter how many eligible children you insure. If both you and your spouse work for the district, only one parent can elect child coverage.

Coverage options and cost

   
Naming a beneficiary

You may designate a beneficiary online during enrollment or anytime during the year. For information about changing a beneficiary, call Benefits Outlook at 866-222-KISD (5473) and speak to a customer service representative. Your beneficiary designation applies to both the district-provided basic life insurance and the supplemental life, if enrolled. You are automatically the beneficiary if you enroll in spouse and/or child life coverage.

 

If there is no eligible beneficiary, or if you don’t name one, the death benefit is paid to the first one here that applies:

  • the insured’s lawful spouse, if living

  • the insured’s natural or legally adopted child(ren) in equal shares, if living

  • the insured’s parents in equal shares, if living

  • the insured’s brothers and sisters in equal shares, if living

  • the personal representative of the insured’s estate

Filing a claim

The Katy ISD Risk Management office handles the claims for all beneficiaries. You can reach them at 281-396-2241. 

Taking coverage with you

If you leave the district, your life and AD&D insurance is both convertible and portable. That means you can move your coverage or convert it to a similar policy that you can take with you. For more information about portability and conversion, call Sun Life at 800-247-6875.

Helpful resources

For details about benefits and policy exclusions, please refer to the Certificate of Insurance, or ask for one from the Katy ISD Risk Management office. 

Your cost
0.30
0.35
0.40
0.45
0.65
0.90
1.30
2.00
2.95
4.65
0.20
0.25
0.30
0.35
0.55
0.80
1.20
1.90
2.85
4.55
0.40
0.50
0.60
0.70
1.10
1.60
2.40
3.80
5.70
9.10
0.70
0.88
1.05
1.23
1.93
2.80
4.20
6.65
9.98
15.93
0.20
0.40
  • Myself
  • My spouse (to age 65)

    Tier

    Spouse Age Range

  • Child(ren)

Based on 24 pay periods $4.94

For any benefits question or concern, including 24/7 Nurse Line access, one call does it all.
Call us at 866-222-KISD (5473)