Skip to main content
City of Madison
  • Accounts
    • All Accounts
    • My Account
    • ePayments
    • Water Customer Care
    • Employment
    • Licenses & Permits
  • Services
  • Jobs
  • Agencies
    • All Agencies
    • Assessor's Office
    • Attorney's Office
    • Building Inspection
    • Civil Rights
    • Clerk's Office
    • Common Council
    • Community Development
    • Development Services Center
    • Economic Development
    • Employee Assistance Program
    • Engineering
    • Finance
    • Fire
    • Fleet Service
    • Golf
    • Goodman Pool
    • Housing Authority
    • Human Resources
    • Information Technology
    • Madison City Channel
    • Madison Public Library
    • Madison Senior Center
    • Mayor's Office
    • Metro Transit
    • Monona Terrace
    • Municipal Court
    • Office of Business Resources
    • Office of Real Estate Services
    • Olbrich Botanical Gardens
    • Parking Utility
    • Parks
    • Planning
    • Planning, Community & Economic Development
    • Police
    • Public Health Madison & Dane County
    • Public Works
    • Streets & Recycling
    • Traffic Engineering
    • Transportation
    • Treasurer's Office
    • Warner Park Community Recreation Center
    • Water Utility
  • Data
  • Contact
    • Mayor
    • City Council
    • City Staff & Agencies

Search form

Coronavirus (COVID-19)

  • City Services
  • Public Health
  • Get Alerts
  • Español
  • Hmoob
Human Resources logo, copyright City of Madison

Human Resources

  • Harper Donahue, Human Resources Director
  • Home
  • Jobs
  • Benefits
  • Compensation
  • Labor Contracts
  • Professional Development
  • About
  • Contact
  1. City of Madison
  2. Human Resources
  3. Benefits
  4. Life Insurance

Life Insurance

Enrollment

The City of Madison offers optional life insurance. Employees may enroll in coverage upon starting employment with the City. After this initial 31-day enrollment period, an employee will be required to either experience a qualifying life change event (marriage, divorce, birth, adoption, etc.) or provide evidence of good health through the underwriting process to enroll or to increase the amount of coverage. Completion of a Life Insurance Enrollment/Change Form is required.

Beneficiary

Benefits for loss of your life are payable to the beneficiary designated on your enrollment form. If you wish to change a beneficiary, fill out a Life Insurance Enrollment/Change Form.

Changing Coverage

An increase in life insurance coverage by one level, or addition of dependent unit(s) of coverage may be made within 31 days following the qualifying event that is the basis for the change. A request to increase life insurance coverage by more than one level, or to increase life insurance coverage or add dependent unit(s) of coverage outside of 31 days following a qualifying event, requires an Evidence of Insurability application (available from Human Resources) and completion of a Life Insurance Enrollment/Change Form.

Coverage Options

Basic Coverage: The employee's highest annual salary rounded to the next highest thousand (minimum $10,000).

Supplemental Coverage:
50% Supplemental = Basic Coverage + 50% (basic coverage x 1.5)
100% Supplemental = Basic Coverage + 100% (basic coverage x 2)
200% Supplemental = Basic Coverage + 200% (basic coverage x 3)

Cost

Age Group Cost Per $1000 Coverage
Under 25 $ .05
25-29   .06
30-34   .08
35-39   .09
40-44   .10
45-49   .15
50-54   .23
55-59   .43
60-64   .57
65-69*   .57
over 69* Free (basic coverage only)

*Age 65 and over rates and coverage apply only if actively employed by the City of Madison. Retired employees of the City have a different coverage and rate structure.

Dependent Coverage

Employees may also purchase up to two (2) units of Dependent Coverage, designed to help with final expenses for the death of a dependent. Each unit of dependent coverage equates to $10,000 of coverage on a spouse and $5,000 for each dependent child to age 21 or age 25 if the dependent child is a full-time student. Each unit costs $1.75 per month.

More Information

For more information, please see the Employee Benefits Handbook

  • Your Benefit Plan: Basic Dependent Life, Basic Term Life, Supplemental Term Life, Basic Accidental Death and Dismemberment, Supplemental Accidental Death and Dismemberment
  • Amendatory Rider: Increase in Amount of Life Insurance
  • Life Insurance Informational Handout
  • Life Insurance Enrollment/Change Form
  • Occupational Death and Permanent or Total Disability Benefit: Fire
  • Occupational Death and Permanent or Total Disability Benefit: Police
  • Occupational Death and Permanent or Total Disability Beneficiary Designation/Change Form

Coverage under the applicable Occupational Death and Permanent or Total Disability Benefit is automatically provided to an eligible employee. Enrollment in the optional Group Life Insurance program is not required to be eligible for the Occupational Death and Permanent or Total Disability Benefit.

Benefits

  • Commuter Benefits
  • Deferred Compensation 457(b) Plan
    • Alliance Benefit Group
    • ICMA-RC
  • Family & Medical Leave
  • Flex Spending
  • Health, Dental & Vision Insurance
    • Health & Dental Insurance 2019
    • Changing Health Coverage
  • Life Insurance
  • Long Term Care Insurance
  • Pension (Wisconsin Retirement System)
    • Retirement Resources
  • Sick Leave
  • Vacation & Holidays
  • Wage Insurance (Disability Insurance)
  • Domestic Partnership Benefits
  • Hourly & Seasonal Employees
  • Open Enrollment
    • Open Enrollment for 2020 Plan Year
  • Orientation - Permanent Employees
  • Preparing for Retirement
    • Benefits During Retirement
  • Employee Handbooks

Benefit Questions

  • Phone: (608) 266-4615
  • benefits@cityofmadison.com

Human Resources

Madison Municipal Building
215 Martin Luther King Jr. Blvd
Suite 261
Madison, WI 53703
  • Hours:
    Monday - Friday, 8:00 am – 4:30 pm
  • Phone: (608) 266-4615
  • Jobs Account Management:
    (855) 524-5627
  • hr@cityofmadison.com
  • WI Relay Service

Most Requested

  • City Organizational Charts
  • Classification Specifications
  • Internal Promotions
  • Personnel Rules
  • Understanding Salaries
  • Upcoming Courses

Top Benefits

  • Flex Spending
  • Health & Dental
  • Retirement
  • Vacation & Holidays
  • Employee Handbooks

Stay Informed

  • City of Madison LinkedIn

All Social Media »

City of Madison, Wisconsin logo, copyright City of Madison

Our Madison – Inclusive, Innovative, & Thriving

Copyright © 1995 - 2021 City of Madison, WI
  • Contact Webmaster
  • Accessibility
  • Web Policies
2019 Winner of the Digital Cities Survey by the Center for Digital Government