Life Insurance Offering for Active Members

Between August 1, 2018 and September 30, 2018, active members can enroll in the National Conference on Public Employee Retirement Systems (NCPERS) Public Employee Financial Protection Plan. This unique life insurance offering is designed specifically for public employees, and especially, public safety professionals. It has been offered to public retirement plan employees for nearly 50 years without an increase in premiums and currently insures more than 100,000 members nationwide.

Why enroll?  The program provides a unique, packaged array of benefits and valuable features, including:

  • The benefit starts out higher when your family’s needs are greater
  • The benefit decreases with age and as you build up your pension
  • The premium never increases, regardless of age
  • The benefit is paid to your beneficiary if something happens to you
  • Provides financial protection for your loved ones through all stages of life
  • There is no medical underwriting—coverage is guaranteed
  • Accidental, spouse and child death benefits are automatically included – no medical questions asked
  • 24/7 accident coverage on or off the job
  • Benefit as much as $325,000, depending on your age
  • Coverage can continue into retirement
  • Flat rate of $17/month

This important benefit has many other attractive features you can learn about by visiting  Enroll electronically using a secure enrollment “log on” on the website.

Paper enrollment is also available upon request.

Again, open enrollment is from August 1 to September 30, 2018.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.


Accelerated Death Benefit option is a feature that is made available to group life insurance participants. It is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The death benefit is reduced by the amount of the accelerated death benefit paid.  There is no administrative fee to accelerate benefits. Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered "terminally ill." You may wish to seek professional tax advice before exercising this option.

Group Term Life and Accidental Death & Dismemberment Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500.


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