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LIFE & DISABILITY INSURANCE


Life and Accidental Death and Dismemberment (AD&D) Insurance 

The City of Pittsburgh provides eligible employees with basic life and AD&D insurance.  You are covered at varying amounts of basic life and AD&D insurance based on your employee group or Collectively Bargained Agreement (CBA). 

  • Options for supplemental life are available as shown below, if covered under your Collectively Bargained Agreement (CBA) 
  • For information, please contact the Benefits Office at: city.fit@pittsburghpa.gov or call 412-255-2532.  We are located on the 4th Floor, in the Department of Personnel & CSC, in the City-County Building. 

 

Supplemental Life Insurances 

  • Eligible employees have the opportunity to purchase Supplemental Life Insurance coverage equal to their base annual earnings rounded up to the next $10,000.00; not to exceed $50,000.00.  
  • Amount available is based upon your age.
  • Deductions are taken first pay of the month. 
  • Medical evidence of insurability is waived if enrolled within 31 days from hire date. 
  • Eligible employees have Life Insurance on date of hire. However,  supplemental coverage WILL NOT BEGIN until we receive your enrollment form with Beneficiary designation signed. 
  • If enrolled late, the benefit will be effective the first day of the month in which a payroll deduction is taken. 

 

Supplemental Life Insurance Rate 

insurance rates

 

Basic Accidental Death And Dismemberment Insurance 

  • Eligible employees have an Accidental Death and Dismemberment (AD&D) policy. 
  • No Cash value; payable upon your death only if death is deemed an Accident. 
  • Basic AD&D Covers employee only. 

You May file a claim for Dismemberment if you become disabled due to an Accident-Loss of; Hand, Foot, Eyesight, or Hearing. 

Additional stipulations apply for Dismemberment, Please refer to the Handbook. 

 

Supplemental Accidental Death and Dismemberment Insurance 

  • Eligible employees may elect single or family supplemental AD&D insurance.  
  • No Medical evidence of insurability is required. 
  • Eligible employees can elect up to three hundred thousand dollars ($300,000). Your election can not exceed an amount that is 10 times greater than your annual base salary. 
  • You have the option to change, update or cancel at anytime.

 

Short Term and Long Term Disability Insurance 

Both short and long-term non-work related disability insurance is offered to eligible full time employees.  Both short term and long term disability coverage are designed to help protect your income in the event that you are unable to work. Certain union members may have other disability coverage offered through their union agreements. 

 

Short Term Disability 

There are two types of Short Term Disability insurances offered, Basic & Enhanced. 

Basic: 

  • Waiting period of 90 days from date of hire. 
  • Basic is a non-contributory option. 
  • Pays you at 50% of your base wage. 

Coverage begins either on the 22nd day, or once all sick, personal, comp and vacation days have been exhausted. If you have no sick, personal comp or vacation days, you will be on unpaid leave. 

Enhanced: 

  • Enhanced Short Term Disability will pay you at 60% of your base wage. 
  • Requires a monthly after-tax based contribution, based on your earnings. You pay $0.125 cents for every $10 dollars that you earn. 

The maximum benefit period for Short Term Disability varies based on employment length.  

  • For employees with more than 90 days but less than 1 year of service you will be eligible for up to 8 weeks. 
  • For employees with at least 1 year but less than 2 years of service you will be eligible for up to 15 weeks. 
  • For employees with 2 years but less than 4 years of service you will be eligible for up to 20 weeks. 
  • For employees with 4 or more years of service you will be eligible for up to 26 weeks. 

 

Long Term Disability 

Employees are eligible for Long Term Disability Insurance after they have been employed for five (5) years. There are two types of Long Term Disability insurances offered, Basic & Enhanced. 

Basic: 

  • Basic is a non-contributory option. 
  • Pays you at 50% of your base wage. 

Enhanced: 

  • Enhanced Long Term Disability will pay you at 60% of your base wage. 
  • Requires a monthly after-tax based contribution, based on your earnings.