Additional Coverage You Can Purchase
In addition to the coverage provided by Wahpeton Public Schools you may purchase extra life insurance for yourself, your spouse, and your dependent children. The premium for this coverage will be deducted from your paycheck.
To enroll, visit www.employeenavigator.com
Please note that the premium amounts presented below may vary slightly from the amounts provided on your enrollment form, due to rounding. If the benefit amount you want to select is greater than any amount in the table below, select the benefit amount from the top row that when multiplied by another number results in the benefit amount you want. For example, if you want $150,000 in coverage, you obtain your premium amount by multiplying the rate for $50,000 times 3.
To select your benefit amount and calculate your premium, do the following:
- Locate the benefit amount you want from the top row of the employee premium table. Your benefit amount must be in an increment of $10,000. Refer to the Coverage Guidelines section for minimums and maximums, if needed.
- Find your age bracket in the far left column.
- Your premium amount is found in the box where the row (your age) and the column (benefit amount) intersect.
- Enter the benefit and premium amounts into their respective areas in the Voluntary Life and AD&D section of your enrollment form.
Follow the method described above to select a benefit amount and calculate premiums for optional dependent spouse and/or child(ren) coverage. Your spouse’s rate is based on your age, so find your age bracket in the far left column of the Spouse Premium Table. Your spouse’s premium amount is found in the box where the row (the age) and the column (benefit amount) intersect. Your spouse’s benefit amount must be in an increment of $5,000. Refer to the Coverage Guidelines section for minimums and maximums, if needed.
*Regardless of how many children you have, they are included in the “All Children” premium amounts listed in the table above.