Welcome, Employees of Albuquerque Public Schools
Building a financial safety net is important. The Standard provides Life and Accidental Death and Dismemberment insurance to eligible Albuquerque Public Schools employees. By applying for additional coverage – at affordable group rates – you can close key gaps in your financial safety net.
Below you can:
- Learn about the Basic Life and AD&D insurance provided by your employer
- Learn about the Additional Life AD&D insurance and how to apply
- Download forms
- Find contact information
Active Members | Retired Members | Value Add Services | Conversion and Portability | Forms | Contact Information
Active Members
Active Members, other than Elected Board Members, the Superintendent and Members who were previously retired but have returned to Active Work, and who elect to retain their retiree Life benefits
APS provides a basic amount of Life and AD&D insurance at no cost to you if you are an eligible member.
For information about eligibility and coverage amounts, please review the following document.
APS recognizes that individuals have different needs and also offers you the opportunity to enroll in group Additional Life and AD&D insurance. For details about eligibility, coverage amounts, exclusions and limitations, please review the following documents. You must apply and agree to pay premium before coverage becomes effective. To determine the cost of this insurance, please use the Premium Calculator.
- Additional Life and AD&D Insurance Coverage Highlights - All eligible active Members, other than Members who were previously retired but have returned to Active Work, and who elect to retain their retiree Life benefits
- Life Insurance Certificate
All eligible active Members who were previously retired but have returned to Active Work, and who elect to retain their retiree Life benefits
APS provides a basic amount of Life insurance at no cost to you if you are an eligible member. For information about eligibility and coverage amounts, please review the following documents.
- Basic Life Benefits at a Glance - All eligible active Members who were previously retired but have returned to Active Work, and who elect to retain their retiree Life benefits
- Life Insurance Certificate
Active Elected Board Members
You may elect a basic amount of Life and AD&D insurance. You must apply and agree to pay premium before your coverage becomes effective. For information about eligibility, coverage amounts, exclusions and limitations, please review the following documents.
Eligible employees may apply for themselves or their spouses anytime during the year except between September 20th and October 31st. Additional Life insurance is subject to Evidence of Insurability (medical underwriting). There is no guarantee that you will be approved for coverage.
Follow the two steps below to apply for:
- Additional Life insurance for yourself
- Additional Life insurance for your spouse
- An increase to your existing Additional Life insurance coverage amount
- An increase to the existing Additional Life insurance coverage amount for your spouse
Step 1: Send an Application to APS
Complete an APS Additional Life insurance Enrollment/Change Form. To obtain this electronic form, please contact the Albuquerque Public Schools Benefit Specialist assigned to your last name. Find the contact list at: aps.edu/human-resources/benefits-staff-listing. The Benefit Specialist will assign the appropriate Enrollment/Change Form to you through the APS Winocular system. Complete the electronic form and submit it to the APS Employee Benefits Department using the Winocular process.
Step 2: Send a Medical History Statement to Standard Insurance Company
You may complete an electronic form or a paper form. Follow the instructions on the form to submit it to Standard Insurance Company. Do not send the Medical History Statement to APS.
Note for all applicants: Apply only once and wait for the decision before applying again.
For more information, see the Frequently Asked Questions About Evidence of Insurability for Applicants.
If you have Additional Life insurance for yourself and wish to pick up Additional Life insurance for your child(ren), that must be done during the APS Open Enrollment period. Open Enrollment is held each year in October. Watch for announcements in the APS Perspective electronic newsletter or contact the APS Employee Benefits Department at employee.benefits@aps.edu or 505.889.4859 for those dates.
Retired Members
You may elect a basic amount of Life insurance if you are an eligible retired employee. You must apply and agree to pay premium before your coverage becomes effective. For information about eligibility, coverage amounts, exclusions and limitations, please review the following documents.
Value Add Services
Designed to respond to most medical care situations and many other emergencies you and your family may experience when you travel 100 miles or more from your home, Travel Assistance provides a wide-ranging program of information, referral, coordination and assistance services. These services include pre-trip assistance, medical assistance, emergency transportation, travel and technical assistance, legal services and medical supplies. Assistance is available 24 hours a day, 365 days a year whether you are 100 or 10,000 miles from home.
For more details, see the Travel Assistance Flyer in English or Spanish or review the program descriptions below.
Program Descriptions
Group Life insurance through your employer gives you assurance that your family will receive some financial assistance in the event of a death. But coverage under a Group Life policy from The Standard does more than help protect your family from financial hardship after a loss. We have partnered with Health Advocate to offer a lineup of additional services that can make a difference now and in the future.
Online tools and services can help you create a will, make advance funeral plans and put your finances in order. After a loss, beneficiaries can consult experts by phone or in person, and obtain other helpful information online.
The Life Services Toolkit is automatically available to those insured under a Group Life insurance policy from The Standard. Recipients of an Accelerated Benefit can access services for 12 months after the date of payment. Life insurance beneficiaries can access services for 12 months after the date of death.
Visit the Life Services Toolkit website with username of “assurance” for information and tools to help you make important life decisions.
For beneficiary services, please visit standard.com/mytoolkit with username of “support” or call 800.387.5742 for assistance.
To learn more about the support tools available and the beneficiary services, please review the flyer in English or Spanish.
Forms
Find forms for filing a claim or managing your benefits.
Beneficiary Statement: Please submit a Beneficiary Statement along with a copy of a death certificate and any funeral assignment to your benefits department.
Beneficiary Designation Commonly Asked Questions
Accelerated Benefit Claim Packet
If you lose coverage due to a change in employment status, resignation or termination, you may be eligible to continue the Life insurance coverages through Standard Insurance Company on an individual paying basis. If retiring from APS, additional options are available to continue Life insurance, please visit your benefits office for a Retirement Packet.
Conversion: If your insurance ends or is reduced
If your Life insurance ends or is reduced (for any reason other than failure to make a required premium contribution or payment of an Accelerated Benefit), you may convert qualifying amounts of your coverage to an individual life insurance policy without providing Evidence of Insurability.
You must apply for Conversion in writing and pay the first premium within 60 days after termination of, or reduction in, your coverage. Premium rates for converted coverage differ from rates for coverage under the Group Policy.
Dependents may also convert qualifying amounts if their Life insurance ends. AD&D insurance may not be covered. To apply, please complete the Group Conversion Packet. If you have questions or want rate information, please contact The Standard at 800.378.4668 with your policy number "645746."
Portability: If your employment ends
You may continue ("port") qualifying amounts of your group Life, AD&D and Dependents Life coverages if your insurance ends because you cease to be a Member due to termination of your employment and you meet the following conditions:
- You are not disabled
- You are under age 70
- You must have been continuously insured under the Group Policy for at least 12 consecutive months
You must complete the Group Life Portability Insurance Application and pay the first premium within 60 days after you cease to be a Member. Premium rates for ported group coverage differ from rates for coverage under the Group Policy.
See the Group Life Insurance Certificate for specific details about the conversion and portability provisions. If you have questions or want rate information, please contact The Standard at 800.378.4668 with your policy number "645746".
Complete this form if you believe your disabled child qualifies for continued coverage:
Contacts
Have a question about Life or AD&D insurance? Here are the contact options for active and retired members.