Administered by Standard Insurance Company, 1-800-759-8702

Supplemental Employee Life Insurance:

Supplemental Life insurance coverage under Choices pays benefits to your beneficiary(ies) if you die from most causes while coverage is in effect.

Who is Eligible?

Benefits eligible employees (if you are in an active work status).

Benefits eligible employees enrolling in the Choices Medical Plan may elect Supplemental Life insurance coverage.

If you enroll in Supplemental Employee Life insurance coverage, your cost depends on your age as of July 1 and the amount of coverage you select. The cost of this benefit is paid on an after-tax basis.

  • New benefits eligible employees may elect up to $300,000 during their initial enrollment period, without submitting evidence of insurability.
  • Employees may increase one coverage level, decrease to any coverage level, or drop coverage completely during annual enrollment.
  • Employees may increase more than one coverage level during annual enrollment or due to a qualifying event; however, evidence of insurability will be required.
  • Employees may increase or decrease their coverage one level or drop coverage completely due to a qualifying event, as long as the change is consistent with the event.
  • If not currently enrolled, employees may elect $25,000 in coverage at annual enrollment or due to a qualifying event, as long as the change is consistent with the event.
  • Elections above $300,000 will always require evidence of insurability.

Supplemental Dependent Life Insurance:

Supplemental Dependent Life insurance coverage is designed to protect you from certain financial burdens (such as funeral expenses) in the event a covered dependent dies.  The employee is automatically the beneficiary of any benefits that become payable.

Who is Eligible?

Your legal spouse and unmarried dependent child(ren) from live birth to age 26 are eligible to enroll.  An employee must be enrolled in Supplement Employee Life insurance coverage to be eligible to enroll in Supplemental Dependent Life insurance coverage.  The cost of this benefit is paid on an after-tax basis.

Spousal coverage elections cannot exceed 100% of the employee election amount (i.e., employee elects $100,000 for self, spouse maximum is $100,000). Employee elections must be equal to or greater than the amount elected for dependent child coverage.

MUS benefits eligible employees MAY NOT cover other MUS benefits eligible employed family members. In addition, dependent children MAY NOT be insured by more than one MUS benefits eligible employed member.

  • New benefits eligible employees may elect any dependent coverage level during their initial enrollment period, as long as it does not exceed the employee election amount.
  • Employees may increase dependent coverage one level, decrease to any coverage level, or drop coverage completely during annual enrollment.
  • Employees may increase or decrease dependent coverage one level or drop coverage completely due to a qualifying event, as long as the change is consistent with the event.
  • If not currently enrolled, employees may elect coverage of $25,000 for a legal spouse at annual enrollment or due to a qualifying event.  Evidence of insurability will be required.
  • If not currently enrolled, employees may elect coverage of $5,000 for dependent child(ren) at annual enrollment or due to a qualifying event.
  • Spousal elections over $50,000 will always require evidence of insurability.
  • No evidence of insurability is required for dependent child coverage at any level.