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Life Plans

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Plan A – Basic Life

  • Core benefit for state employees 
  • $1.90/month
  • $14,000 of term-life coverage

Plan B – Dependent Life

  • Available during 31-day enrollment period, or within the first 60 days of marrying or having your first child
  • $0.52/month 
  • $2,000 of coverage for a spouse
  • $1,000 of coverage per dependent child.  

Plan C – Optional Employee Life

  • Available during 31-day enrollment period without EOI1 up to the member’s annual salary. 
  • Enrollment after the 31 days requires EOI1.  
  • Minimum of your annual salary rounded to the next highest $5,000 up to $500,000 with EOI1.  
  • During Annual Change, those employees with existing Plan C coverage may add an extra $5,000 or $10,000 to their coverage without EOI1 each year up to the cap of $500,000 .  

Plan D – Optional Spouse Life

  • May make a NEW election of Plan D coverage of  up to $10,000 without EOI1 during 31-day enrollment period and annual change.
  • Employee must be enrolled in Plan C for the spouse to be eligible for Plan D.  
  • Spouse’s rate is based on the employee’s age, not the spouse’s age.  
  • Coverage is for a minimum of $5,000. 
  • Additional amounts are available in $5,000 increments, up to the amount of optional employee Plan C. 
  • If increasing to existing coverage EOI1 required

Plan E—Optional Accidental Death & Dismemberment

  • Available without EOI1. 
  • Employee Only:  $25,000-$500,000 in increments of $25,000 up to 10 times your annual salary rounded down to the next $25,000.  
  • Employee and Dependents: A spouse with no children is eligible for 50% of the employee coverage.  A spouse with children is eligible for 40% of the employee coverage. Children are eligible for 10% of the employee coverage.   

1Evidence of Insurability (EOI) is a medical application to prove good health.