Department of Finance & Administration
Dave Goetz, Commissioner

Basic Group Term Life and Special Accident Insurance
The state provides, at no cost to employees, $20,000 of basic term life and $40,000 of basic special accident coverage. For employees who elect health coverage, 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) of employees enrolled in health coverage 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.

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
Please see your agency benefits coordinator to obtain premium information.