As a full-time faculty/staff member, you are covered for basic life insurance and accidental death and dismemberment (AD&D) insurance. In addition, the University also offers you the option of purchasing supplemental life and dependent life insurance.

Coverage for full time staff/faculty is effective immediately on the first day of the month following the first day of work, unless otherwise noted.

Basic Life

The amount of your Basic Life Insurance is equal to $50,000. This coverage is provided to you at no cost and paid to your designated beneficiary in the event of your death. The coverage is reduced to $25,000 for faculty and staff who are actively employed beyond age 70.

Accidental Death and Dismemberment (AD&D) Coverage

If your death is the result of a covered accident, your beneficiary will receive an accidental death benefit of an additional $50,000. If you suffer the loss of a limb or the loss of eyesight as a result of a covered accident, you will receive 100% or 50% of the AD&D benefit, depending on the extent of the loss.

Supplemental Life Insurance

If you decide you need more life insurance protection, you can purchase additional life insurance at group rates through payroll deduction. Each year at Open Enrollment, you can purchase between $10,000 and $300,000 of life insurance coverage, in increments of $10,000. Benefits are paid to your designated beneficiary (the same beneficiary as noted under your Basic Life/AD&D coverage) in the event of your death. There is no AD&D coverage for Supplemental Life. You may elect up to $50,000 of additional insurance coverage without proof of medical insurability. Requests for amounts over $50,000 will be subject to the requirements of and approval by the insurance company. Any request for coverage in excess of $50,000 will require the completion of a medical history questionnaire.  Supplemental life insurance is reduced by 50% for faculty and staff who are actively employed at age 70.

Dependent Life Insurance

You can purchase Dependent Life Insurance for your spouse and dependent child(ren). Coverage consists of $25,000 of life insurance on your spouse and $5,000 for each eligible child up to the earlier of age 19, or age 25 if in full-time student status. Benefits are paid to you should your spouse and/or child die. There is no AD&D coverage for this part of the plan. This coverage requires a monthly premium paid through payroll deductions.

NOTE: If both husband and wife are actively employed by the University, the purchase of dependent life insurance is not permitted for the spouse.

Beneficiary designation forms are available at the University Form Centers.