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Life Insurance

Life Insurance - AD&D Insurance 

Lake County School District provides life insurance and accidental death and dismemberment (AD&D) coverage in the amount of your salary up to $250,000 at no cost to you through SunLife. Make sure you designate a beneficiary who will receive your life insurance payment if you pass away while covered under this policy.

What is a Beneficiary and why is it so important?

A beneficiary is a person or legal entity that is entitled to receive the proceeds from a life insurance policy. A beneficiary can be one or more individuals or organizations, such as a trust or charity. You can designate two types of beneficiaries:

  • Primary beneficiaries are first in line to receive the designated asset upon your death
  • Secondary (or contingent) beneficiaries receive the asset if there are no surviving primary beneficiaries upon your death

It is important to keep your beneficiary designations up to date because named beneficiaries on insurance policies and retirement plans usually supersede instructions in wills. By periodically reviewing your beneficiary designations, you can rest assured that your assets will be distributed according to your wishes.

Change a beneficiary anytime!

Log into the Explain My Benefits Platform.  

Instructions to update Beneficiaries

  • Please note: You must log into the system to confirm or view your current beneficiaries on file, please do not call the office for this information.  
  • If you do not recall who your beneficiaries are, then it is time to complete an update.

If you require assistance, please contact your Benefits Specialist at 352-253-6660 or email

When to review a beneficiary

Review and consider updating your beneficiaries when you:

  • Experience a major life event such as a birth, marriage, dissolution of marriage or domestic partnership, or death in the family
  • Update your will or estate plan

To be eligible for insurance, a person must be a member of an Eligible Class. The person must also complete a period of continuous service (Service Requirement) with the policyholder

What happens when there is no beneficiary on file.

  • Since no Beneficiary Designation is on file, then the Estate will be required to claim.
  • For the Estate we require: Certified copy of the Letters of Administration appointing the Executor, or Administrator for The Estate of [Employee], deceased. If the value of [Employee]’s Estate is relatively small and a short form affidavit procedure is available to administer the Estate, we will accept a certified copy of the appropriate probate court affidavit.
  • Claimant’s Statement completed by the Executor, or Administrator of the Estate of [Employee], deceased. The estate Tax Identification Number (not the Social Security number) is required on the form. Please provide a copy of the Tax Identification Assignment form
  • A copy of the certified Death Certificate including cause and manner of death.
  • All police or governmental investigation reports, witness statements, autopsy and any toxicology and laboratory reports concerning the circumstances of [Employee]‘s death, if applicable.

 Life Insurance Supplemental

To supplement the life insurance coverage provided by Lake County School Board, you have the option to purchase additional term life insurance for

  • Yourself
  • Spouse
  • Child(ren) up to age 26

Your cost depends on your age and coverage level. Rates are reflected in your benefit enrollment system. You may also add accidental death and dismemberment (AD&D) coverage equal to your life insurance amount at enrollment for a small additional cost. You must cover yourself to purchase coverage for your dependents.

Evidence of Insurability may be required

 Accidental Death & Dismemberment

AD&D (Accidental Death & Dismemberment) insurance, is for the same amount as the life insurance policy it's attached to.

AD&D coverage can pay a benefit in one of two ways:

  1. If your death is caused due to an accident, the AD&D benefit pays in addition to your life insurance. This is sometimes called a “double indemnity” because your beneficiary receives both the life insurance amount and the AD&D amount.
  2. If, as the result of an accident, you either lose a covered body part (such as a limb) or lose the function of a covered body part, you may receive a percentage of the total AD&D benefit depending on the functions that have been lost.


Eligible Class: Each full-time employee of the policyholder or an associated company, who is at active work , and who is working in the United States of America, as identified on the policyholder’s or our records, except any temporary or seasonal worker.

Note: See plan document for age reduction schedule.