Group Life Insurance

Enrollment in FCPS group life insurance plans is based on an employee's enrollment in a retirement program.

VRS Life Insurance Plans are available to full-time educational, administrative, and support employees who are enrolled in the Virginia Retirement System (VRS).

If an employee is a participant in the VRS retirement plan, he or she is automatically enrolled in the VRS Basic Life Insurance plan. As part of this mandatory life insurance plan, employees are eligible to receive life insurance as well as accidental death and dismemberment benefits. This plan is sponsored by the Virginia Retirement System and insured through Minnesota Life Insurance Company.

VRS Basic Group Life Insurance

  • Basic coverage equals to two times an employee's annual salary rounded to the next higher $1,000.
  • If an employee should die in an accident, his or her benefit would generally be twice what it would be if he or she were to die of natural causes.
  • If an employee is in an accident, he or she will receive benefits according to the loss experienced in the accident (such as the loss of an arm or leg or loss of sight).
  • Employees can continue coverage while they are on a leave without pay but they are responsible for the premiums.

VRS members, along with FCPS, each pay a share of the VRS Basic Life Insurance premium.

VRS Optional Group Life Insurance

Through the VRS Optional Life Insurance program, employees may purchase additional life insurance at group rates for themselves and their family.

Optional Life Insurance is an employee "guaranteed" benefit. This means that if an employee enrolls within 31 days of his/her hire date, the benefit is guaranteed to the employee, regardless of his or her medical history.  Evidence of insurability is required for Optional Life Insurance coverage exceeding the “guaranteed” amount or if employees do not enroll within 31 days of their hire date.
Employees are responsible for the full cost of the Optional Life Insurance coverage selected.  The cost is deducted from their paycheck each pay period.

Employees may choose from four options:

Option
Employee
Spouse
Child(ren)
1
1 x Salary
0.5 x Salary
$10,000
2
2 x Salary
1.0 x Salary
$10,000
3
3 x Salary
1.5 x Salary
$20,000
4
4 x Salary
2.0 x Salary
$30,000

County FCERS Life Insurance Plans

FCERS Life Insurance plans are available to full-time maintenance, custodial, food service, or transportation employees or less-than-full-time educational, administrative, and support employees who are enrolled in Fairfax County Employee Retirement System (FCERS). Employees who work less than 50 percent of a normal scheduled workday (15 hours per week for food service employees) are not eligible for life insurance.

County FCERS Basic Group Life Insurance

If an employee is enrolled in the FCERS retirement plan, he or she is automatically enrolled in the County FCERS Basic Life Insurance plan. As part of this mandatory County FCERS Basic Life Insurance plan, employees are eligible to receive life insurance as well as accidental death and dismemberment benefits. The County FCERS Life Insurance plans are insured through Minnesota Life Insurance Company.

  • Employees are automatically covered for one times their salary rounded to the next higher $1,000.
  • If an employee should die in an accident, his or her benefit would generally be twice what it would be if he or she were to die of natural causes.
  • If an employee is in an accident, he or she will receive benefits according to the loss experienced in the accident (such as the loss of an arm or leg or loss of sight).
  • Employees can continue coverage while they are on a leave without pay but they will be responsible for the premiums.

FCPS pays the full cost for County FCERS Basic Life Insurance coverage as long as employees are actively at work.

County FCERS Optional Life Insurance

Through the County FCERS Optional Life Insurance program, employees may purchase additional life insurance at group rates for themselves and their family. 

Optional life insurance is an employee "guaranteed" benefit. This means that if an employee enrolls within 30 days of his/her hire date, the benefit is guaranteed to the employee, regardless of his or her medical history. Evidence of insurability is required for Optional Life Insurance coverage exceeding the “guaranteed” amount or if employees do not enroll within 30 days of their hire date.
Employees may choose from two options:

  • 1, or 2 times their salary for themselves
  • For family
    • Spouse $5,000, Children $2,000
    • Spouse $10,000, Children $5,000

Employees are responsible for the full cost of the Optional Life Insurance selected, and the cost is deducted from their paycheck each pay period.

Life Insurance Providers

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Last Updated

October 20, 2015