Life Insurance - State Plan Members Only

Basic Group Term Life and Special Accident Insurance
Employees who participate in the health insurance program also receive certain amounts of basic term and basic special accident life insurance coverage, depending on age and salary. The state provides, at no cost to the employee, $20,000 of basic term life and $40,000 of basic special accident coverage for those employees who elect health coverage, earn less than $15,000 annually and are under age 65. The amount of coverage increases as the employee's salary increases, with premiums for coverage above $20,000/$40,000 deducted from the employee's 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.

Eligible dependents (spouse and children) are covered for $3,000 of basic dependent term life coverage. Dependents (spouse and children) are eligible for basic special accident insurance, with the amounts of coverage based on salary and family composition.

Based on legislation passed passed during 2007, effective January 1, 2008, those employees not enrolled in health coverage will also be provided with $20,000 of basic term life and $40,000 of basic special accident coverage at no cost. Unlike those enrolled in health coverage, the amount of coverage will not increase based on salary. Additionally, the face amount of coverage declines at ages above 65. No dependent coverage is available to dependents of employees not enrolled in health coverage.

Optional Special Accident Insurance
This coverage is available on a contributory basis for employees and dependents (spouse and children) and is in addition to the basic special accident death coverage. Coverage is available at low group rates; no questions asked.

Optional Universal Life and Term Life Insurance
These programs are available on a contributory basis for employees and dependents (spouse and children) whether or not they participate in health coverage. For guaranteed-issue coverage, the employee must enroll during the first full month of employment with the state. If optional life coverage is not elected at that time, the employee may only enroll during the annual enrollment transfer period by presenting evidence of insurability through a health questionnaire.

Premiums and Enrollment Forms
Please see your agency benefits coordinator to obtain premium information and enrollment forms.