Life Insurance

Basic Life Insurance:

Automatic enrollment into the Basic Life Insurance benefit, including accidental death and dismemberment coverage, is provided to eligible employees enrolled in the State Health Plan or the TRICARE Supplement Plan. There are no specific forms to complete to participate , and your receive this benefit at no cost. Basic life insurance coverage provides:

$3,000 in term life insruance to eligible employees age 69 and younger and;
$1,500 to eligible employees age 70 or older

The accidental death and dismemberment coverage amounts are the same as the basic life insurance.

Optional Life Insurance:

If you are an active, permanent, full-time employee, you can enroll in the Optional Life Insurance Program within 31 days of the date you are hired. You may elect coverage in $10,000 increments up to the lesser of three times your basic annual earnings (rounded down to the nearest $10,000) or $500,000 without providing medical evidence of good health. You can select a higher benefit level in increments of $10,000, up to a maximum of $500,000, by providing medical evidence of good health.

Optional life premiums are determined by your age and the amount of insurance you select. Active employees may pay premiums for the first $50,000 in coverage before taxes with MoneyPlu$.

Dependent Life Insurance:

Dependent Life Spouse Insurance - If you are currently enrolled in Optional Life, you may cover your spouse in increments of $10,000 for up to 50% of your Optional Life coverage or $100,000, whichever is less. (Coverage over $20,000 will require medical evidence of good health.) If you are not enrolled in Optional Life, you may cover your spouse for $10,000 or $20,000. Premiums are based on the spouse's age.

Dependent Life Child Insurance - You can cover your eligible dependent children older than 14 days, but younger than 19, or age 25, if enrolled as a full-time student. The monthly premium for Dependent Life Child coverage is $1.26 per month, regardless of the number children covered.

All life insurance plans with the state are administered by MetLife.

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