Life and AD&D

The City of Hagerstown is seeking a carrier to provide life and accidental death and dismemberment (AD&D) insurance services to its employees. The selected carrier will be required to duplicate or enrich current benefits and provide superior service for basic life/AD&D and voluntary life for employees, spouses, and children. The current benefits include basic life/AD&D, voluntary life for employees, spouses, and children. The proposed benefits are the same as the current benefits, with the option for more generous guaranteed issue amounts and/or child age. The contract will be issued in the state of Maryland, with a plan effective date of July 1, 2026, and future plan anniversary dates on July 1. The city is looking for a carrier that can provide multi-year rates and administer the desired benefit design. • Current benefits: basic life/AD&D, voluntary life for employees, spouses, and children • Proposed benefits: same as current benefits, with option for more generous guaranteed issue amounts and/or child age • Contract requirements: multi-year rates, administration of desired benefit design • Plan effective date: July 1, 2026 • Plan anniversary date: July 1