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

Employee Supplemental Life Insurance:

Employee Supplemental Life insurance coverage provides financial protection by paying benefits to your beneficiary(ies) in the event of your death 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 Employee Supplemental Life insurance coverage.

If you enroll in Employee Supplemental 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 enroll in coverage up to $300,000 during their initial enrollment period, without submitting evidence of insurability.
  • Evidence of insurability is required for all elections above $300,000.
  • If an employee previously waived all coverages, they may only elect $25,000 when enrolling in coverage.
  • Employees may increase coverage level, decrease coverage to any level, or drop coverage completely during Annual Enrollment.
  • Employees may increase coverage more than one level during Annual Enrollment or due to a qualifying event; however, evidence of insurability is required.
  • Employees may increase or decrease coverage one level due to a qualifying event if the change is consistent with the event (subject to Plan restrictions).
  • If not currently enrolled, employees may enroll in coverage of $25,000 during Annual Enrollment or due to a qualifying event if the change is consistent with the event (subject to Plan restrictions).

Dependent Supplemental Life Insurance:

Dependent Supplemental Life insurance coverage provides protection from certain financial burdens (such as funeral expenses) in the event of a covered dependent's death.  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 Employee Supplemental Life insurance coverage to be eligible to enroll in Dependent Supplemental Life insurance coverage.  The cost of this benefit is paid on an after-tax basis.

Spouse life coverage elections cannot exceed 100% of the employee election amount (i.e., employee elects $100,000 for self, spouse election maximum is $100,000). Employee elections must be equal to or greater than the amount elected for child life coverage (i.e., employee elects $30,000 for self, child election maximum is $30,000).

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

  • New benefits eligible employees may enroll in any dependent coverage level during their initial enrollment period.
  • Evidence of insurability is required for all spouse elections above $50,000.
  • No evidence of insurability is required for dependent child coverage at any level.
  • If an employee previously waived all coverages, they may only elect coverage of $25,000 for a spouse and/or $5,000 for child(ren).
  • Employees may increase dependent coverage one level, decrease coverage to any level, or drop coverage completely during Annual Enrollment.
  • If not currently enrolled, employees may elect coverage of $25,000 for a spouse and/or $5,000 for dependent child(ren) during Annual Enrollment.
  • Employees may increase dependent coverage one level due to a qualifying event if the change is consistent with the event (subject to Plan restrictions).