Voluntary benefits

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.

• Current employees enrolling for the first time can enroll for $10,000 without providing evidence of insurability (EOI).  Additional coverage may be added pending EOI approval.

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 employees 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.

You may designate a beneficiary online during enrollment or anytime during the year. For information about changing a beneficiary, call Benefits Help Line 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

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

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 OneAmerica at 1-800-553-3522.

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 at 281-396-2241.