Basic Group Term Life and Accidental Death and Dismemberment

The state provides, at no cost to the employee, $20,000 of basic term life and $40,000 of basic accidental death coverage. If you enroll in health coverage, the amount of coverage increases as your salary increases, with premiums for coverage above $20,000/$40,000 deducted from your paycheck. The maximum amount of coverage is $50,000 for term life and $100,000 for accidental death and dismemberment. The face amount of coverage declines at ages above 65. For employees who do not enroll in health coverage, the amount of coverage does not increase regardless of salary. Changes in coverage based upon age or salary take effect on the first day of October based on your age or salary as of September 1.

Eligible dependents (spouse and children) are covered for $3,000 of basic dependent term life coverage. Dependents (spouse and children) are eligible for basic accidental death insurance, with the amounts of coverage based on salary and family composition. Dependents of employees who do not enroll in health coverage are not eligible for basic term or basic special accident coverage.


In 2018, an enrolled employee or spouse may only Continue (Port) one-half (1/2) of the Voluntary Term Life Insurance coverage he or she had at the time of leaving active employment due to retirement or termination. The minimum amount of continued coverage is $5,000 and the maximum amount is $250,000. Continuation of coverage is not available if the reason for the cancellation of coverage was due to non-payment of premiums. Also, Continuation of Coverage (Portability) is only available to an employee or spouse under the age of 70. If 70 or over, Conversion to an individual policy is available.