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Basic Life and AD and D / Voluntary AD and D and Term Life

Basic Life Insurance

Basic Group Term Life and Accidental Death and Dismemberment Insurance

The state will pay 100% of the premiums for employee basic term life/basic accidental death and dismemberment insurance.

Basic term life: Designated beneficiaries will receive 1X the employee’s base annual salary rounded to the next highest thousand ($50K minimum/$250K maximum, except when reduced at age milestones).

  • You may opt to decrease your coverage to $50,000 to avoid imputed income, as outlined in IRS publication 15B.
  • State offline agency employees may waive basic term life/basic AD and D coverage

Basic accidental death and dismemberment: Employee coverage will be 1X basic term life insurance coverage.

Your basic term life/basic AD and D coverage amounts decrease at ages 65 and over.

2024 Basic Life Insurance Beneficiary Designation Application  

Voluntary Accidental Death and Dismemberment Insurance

Employees can buy voluntary AD and D insurance to give additional protection if the employee or employee's covered dependent's death or dismemberment is due to an accident. This is an addition to the basic AD and D coverage. 

The coverage level is based on salary to a choice of these five amounts: $50,000, $60,000, $100,000, $250,000 or $500,000.

  • Dependent on a coverage tier basis [spouse only, spouse + child(ren), or child(ren) only] instead of generic family coverage. Dependents may be removed or added for this  coverage via Edison ESS.
  • Dependent voluntary AD and D coverage is based on a percentage of the employee's voluntary AD and D coverage. 
  • Dependent premium rates is per $1,000 of total dependent coverage, instead of per family unit. 
  • Benefits will be paid for dismemberment if the loss occurs within 180 days of the accident, provided the employee or dependent was covered on the date of the accident and met the established criteria. Accident could occur at work or elsewhere. 

Voluntary Accidental Death Enrollment Form

Voluntary Term Life Insurance

If qualified, employees can buy additional voluntary term life insurance. Enrollment is not automatic. An employee must apply for this coverage. This coverage is available regardless of whether the employee or dependents enroll in health coverage. This insurance is in addition to the employee basic term life and basic accidental death and dismemberment insurance. The employee’s spouse may apply for enrollment in this coverage even if the employee does not enroll. A child term rider may be added to the employee’s or spouse’s certificate, but not to both.

Employees can enroll in or increase voluntary term life coverage in $5,000 increments up to an additional $50,000, not to exceed a new total of $500,000 or five times base annual salary, whichever is less, without answering medical questions.

The employee's spouse may also apply for enrollment in this coverage even if the employee does not enroll

Spouse Voluntary Term Life Plan Maximums - $30,000 if under age 55 - $15,000 if age 55 or older

Your voluntary term life monthly premium and/or your spouse’s monthly premium could go up if you and/or your spouse increase the life insurance amount or move into a higher age bracket as of Jan. 1 of each calendar year.

 A child term rider may be added to the employee's or spouse's certificate, but not to both. If the employee's spouse is also a state employee, the spouse must apply for coverage as an employee, not as the other employee's spouse. 

An employee or spouse who is already enrolled or who will enroll may add or increase a child term rider in the amount of $5,000 or $10,000.  Only the employee or spouse may have a child term rider attached to his/her certificate.

An employee with a child losing basic term life coverage may convert the lost coverage to an individual, whole life policy instead of adding a child term rider or if the child term rider attached to the employee or spouse’s voluntary term life certificate is already at the maximum coverage of $10,000.

Find life insurance information by clicking on Life or Securian Financial - State of Tennessee

New Hires

  • Guaranteed issue voluntary term life insurance coverage with no medical questions asked for an employee is available if the employee enrolls during the first 30 calendar days of employment. Voluntary term life coverage will become effective on the first day of the month following three full calendar months of eligible employment. Newly eligible spouses can enroll within 30 days of first becoming eligible in $5,000 of coverage without answering medical questions (guaranteed issue).
  • The employee or spouse's monthly premium will go up if the voluntary term life insurance amount is increased or the employee or spouse moves into a higher age bracket as of Jan. 1.
  • To apply, go to Securian Financial - Life Benefits.
  • Beneficiaries for voluntary term life coverage can be updated after logging in at Securian Financial - Life Benefits


Unum Group (Optional Universal)CLOSED TO NEW ENROLLMENTS

Dec 15, 2023