Niagara Falls City School District Life Insurance Benefits

Basic Life Insurance

As an eligible District employee, you automatically receive Basic Term Life Insurance coverage up to $20,000. Guardian underwrites this life insurance coverage. The District pays the full cost of your Basic Term Life Insurance, which provides a lump sum payment to your designated beneficiary if you die while employed with the District. It is your responsibility to keep your beneficiary designation up to date.

Voluntary Term Life

Voluntary Term Life can be purchased in increments of $10,000 with a combined maximum of $100,000 (Basic and Voluntary). If you choose the Voluntary Term life insurance plan, payments are made through your payroll deduction.  Voluntary Term Life Benefits are a taxable benefit.  You may want to purchase additional life insurance for :

• a greater level of life insurance for yourself;
• accident protection for you and/or your dependents;

**Your voluntary life insurance volume will automatically decrease by 35% at age 65 and by 50% at age 70.

Please review the Voluntary Term life insurance cost calculation on how to calculate the cost.

Beneficiary Change Form

Filing a Claim

If you or a dependent dies while covered under the life insurance plan(s), the designated beneficiary should contact the District Benefits Administrator, who will assist the beneficiary with filing a claim for benefits under the plan.

For additional information about the District’s Life Insurance programs, visit http://www.guardiananytime.com or call 888-278-4542.

If you have any questions or concerns regarding your benefits, please contact
Mary Beth Spacone, Benefits Administrator at 716-286-1271 or mspacone@nfschools.net