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Red Clay Consolidated School District
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Plan HighlightsGroup Basic Life and Accidental Death & Dismemberment

EFFECTIVE JULY 1, 2017 Prudential will be our new Basic Life & AD&D Plan Administrator

Benefit eligible employees of Red Clay School District

Red Clay School District Basic Life and AD&D

One and one half times annual salary, rounded to the next higher $500. Minimum benefit is $5,000 and maximum benefit is $250,000.

Provisions Include:

  Living Benefit Rider   Yes
  Conversion   Yes
  Portability   Yes
  Waiver of Premium   Yes
  Critical Illness Benefit   Yes
  FMLA   Yes
  Bereavement Counseling   Yes
  WorldNet Travel Assistance   Yes

Contribution Requirements

Benefits funded by school district stipend. In the event the premium due for this coverage exceeds the stipend, you may be responsible to contribute the difference.

Benefit Reductions Due to Age

Age Reduces to
65 One times annual salary rounded to next higher $500
70 One-half times annual salary, rounded to the next higher $500
75+ $5,000

Coverage may be continued under the Military Services Leave provision of the Policy for twelve weeks if you go on active duty in the military. However, you will not be covered for a loss that is caused by or arises from such military service, including but not limited to war or act of war (whether declared or undeclared).

For a comprehensive list of exclusions and limitations, please refer to the Certificate of Insurance, which you can find on this website. The Certificate also provides all requirements necessary to receive a benefit.


This Plan Highlights is a brief description of the important features of the RSL insurance plan. It is not a Certificate of Insurance or evidence of coverage. Insurance is provided by Reliance Standard Life Insurance Company under group policy form LRS- 6422, et al.


Life and AD&D
Life Insurance Benefits
AD&D Benefits
Beneficiaries/Payment of Benefits
If You Become Disabled
If You Become Terminally Ill
If You Leave The School District
Related Forms
form bullet Life Beneficiary Form
form bullet Group Life Conversion
form bullet Conversion Rates
form bullet Portability Request
form bullet Life and AD&D Brochure
form bullet Notice of Conversion
form bullet Conversion Application
form bullet Portability Form
form bullet Life Claim Form


    Important Legal Information: provides only an overview of your benefits from Red Clay Consolidated School District and The State of Delaware. Red Clay Consolidated School District and The State of Delaware reserve the right to amend or to terminate any benefit plan at any time, with or without notice. Review more important legal information about your benefits plans.

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