Life Insurance/AD&D

Portability and Conversion – Forms and Information

Active Employee Information


Take advantage of reduced Optional Life (TLF) and Spouse Optional Life (SLF) insurance rates beginning 2025.

During this year’s annual enrollment period, you have a one-time opportunity to enroll or increase your coverage on the Optional Life (TLF) plan without medical questions! You may also enroll your spouse in up to $25,000 of Spouse Optional Life (SLF) without medical questions even if you’ve waived coverage on your spouse in the past.

Employee Optional Life (TLF)
The TLF cap is $400,000. Your TLF coverage amount will automatically adjust January 1 based on changes to your annual salary at December 31 and your selected coverage level, up to a maximum of $400,000. Increases to your coverage level (example: from one times salary to two times salary) require Evidence of Insurability.

Spouse Optional Life (SLF)
Evidence of Insurability (EOI) applies to all coverage levels unless you are enrolling during your initial new-hire enrollment period. If you are enrolling during your initial new-hire period, EOI does not apply to the $10,000 or $25,000 SLF amount, subject to the employee’s TLF amount. Spouse coverage cannot exceed 50% of employee TLF coverage. Employee is automatically listed as the SLF beneficiary. If Evidence of Insurability (EOI) is required, coverage is subject to medical underwriting and is not effective unless approved by the carrier. Contact your Human Resources Department or Benefits Office for more information.

Dependent Group Life (DGL)
Even if you selected SLF coverage, you can select DGL coverage to cover your spouse and dependent child(ren). DGL does not require EOI.

Important deadlines apply if you are enrolling during annual enrollment, as a newly hired employee, or as a result of a qualifying event.

Compassionate Support For You

Additional benefits to support you are available at no cost.  Read the flyer for more information.

  • Will Preparation
  • Grief Counseling
  • Funeral Planning
  • Estate Administration
  • Identity Theft Protection