Retiree Life Insurance

Boston Mutual Life Insurance Company, 1891

Town of Longmeadow Employees who are covered by the Town's Life Insurance when they retire are afforded the opportunity to take one of three levels of coverage into retirement with them depending on their age, their coverage amount at retirement and what they elect.  If they elected to do so, they could have retired with:


  • If at the time of retirement the employee is under 75, has the Boston Mutual Basic Policy and at least $5,000 in additional Voluntary coverage, they would qualify to take a maximum benefit of a $2,000 basic life and AD&D policy with an additional $5,000 Life/AD&D.  The current rate for this combination is $5.89 per month and is deducted directly form the retiree's pension.
  • If at the time of retirement the employee is under 75, has the Boston Mutual Basic Policy and either has less than $5,000 in additional Voluntary coverage or elects not to take any additional coverage with them, they would qualify to take a maximum benefit of a $2,000 basic life and AD&D policy.  The current rate for this combination is $1.79 per month and is deducted directly form the retiree's pension.
  • Once a retiree turns 75, all AD&D coverage is terminated.  If the retiree was at the $7,000 amount, they will drop down to the $2,000 amount.  If they were already at the $2,000 amount, their coverage will just drop the AD&D portion.  The current rate for this coverage after the age of 75 is $1.76 per month and is deducted directly from the retiree's pension.


If you have any questions regarding your Boston Mutual Life Insurance policy or premiums, please contact the Human Resources office at (413) 565-4128 or hrdept@longmeadow.org