Life & Accident Insurance Plans

Life insurance plans are fully-insured and are provided by BlueCross BlueShield of Montana (BCBSMT). These Term Life plans provide inexpensive protection and do not earn cash value.

Employees are eligible until separation from service, contact BCBSMT for portability or conversion options. If State Plan retiree benefits are elected, Basic Life Insurance will be continued until retiree is Medicare eligible. Basic life may be converted once a retiree becomes Medicare eligible.

Basic Life insurance

• Included when enrolled on Medical benefits
• $14,000 of term-life coverage

supplemental Employee Life insurance

• Available during initial 31-day enrollment period without EOI¹ up to the employee's annual salary
• Enrollment after the initial 31-day enrollment period requires EOI¹
• Coverage may be elected at anytime with EOI¹
• Minimum election of annual salary rounded to the next highest $5,000, up to maximum of $500,000 with EOI¹ . Effective January 1, 2023, the maximum election amount will increase to $1 million.  
• During the annual Open Enrollment, employees may add, increase, or decrease Employee Supplemental Life Insurance coverage in increments of $5,000. An increase of more than $10,000 will require EOI¹ 

supplemental Spouse Life insurance

• Available during initial 31-day enrollment period up to $10,000 without EOI¹
• Employee must be enrolled in Supplemental Employee Life for the spouse to be eligible  
• 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 Employee Supplemental Life Insurance with a maximum election amount of $500,000. An increase of more than $10,000 will require EOI¹
• Coverage may be elected at anytime with EOI¹
• During the annual Open Enrollment Period, employees may add, increase or decrease Supplemental Spouse Life Insurance.  Coverage of more than $10,000 will require EOI¹

Dependent Life insurance

• Dependent Life Insurance elections are available during initial 31-day enrollment period or within the first 60 days of marrying or 91 days of having your first child
• Dependent Life Option A
  • $2,000 of coverage for a spouse/domestic partner
  • $1,000 of coverage per dependent child
• Dependent Life Option B - Available starting January 1, 2023 
  • $4,000 of coverage for a spouse/domestic partner
  • $2,000 of coverage per dependent child

Accidental Death & Dismemberment (AD&D) insurance 

• Available during 31-day initial enrollment period. If coverage is not elected during 31-day enrollment period, it may be elected at any time.
• Employee Only may elected $25,000 - $500,000 of coverage in increments of $25,000. Effective January 1, 2023 employee may elect up to a maximum of $1 million of coverage. 
• 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. The form can be found at benefits.mt.gov/life-and-accident.