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Voluntary Term Life Insurance

Basic Life Insurance

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.

Basic Life Insurance Beneficiary Designation Application  

Voluntary Special Accidental Death Insurance

This optional coverage is available on a contributory basis for employees and dependents and is in addition to the basic special accidental death coverage.   You can enroll in voluntary accidental death and dismemberment insurance coverage for yourself and your dependents. Benefits will be paid for dismemberment if the loss occurs within 90 days of the accident, provided you or your dependent was covered on the date of the accident and meet the established criteria. Coverage is available at low group rates — no questions asked. Premiums vary by salary and the maximum benefit for employees is $60,000.

 

Voluntary Accidental Death Enrollment Form


Minnesota Life (Optional Term Life)

1.866.881.0631

This program is available on a contributory basis for employees and dependents (spouse and children) whether or not they participate in health coverage.   If you qualify, you can purchase voluntary term life insurance coverage for yourself and your dependent spouse and children. You can apply in $5,000 increments, for up to seven times your annual base salary (to a maximum of $500,000) for yourself and up to a maximum of $30,000 for your spouse under 55 ($15,000 for ages 55 and older). You can also add coverage for your children equal to $5,000 or $10,000.

You and your dependent spouse and children may enroll in this coverage regardless of whether you enroll in health coverage. For employee guaranteed issue coverage, you must enroll during the first 31 calendar days of employment. If coverage is not elected at that time, you may apply during the annual enrollment period by presenting evidence of insurability through a health questionnaire.

An application for spouse coverage may be submitted; however, issuance of coverage will be contingent upon review of health questions by the vendor. A child term rider may be added to the employee or spouse certificate without any health questions. 

Unum Group (Optional Universal)CLOSED TO NEW ENROLLMENTS
1.866.298.7636

Last Published: Jan 22, 2020