Life and Disability Insurance
You can make changes to these coverages during Open Enrollment:
- Life Insurance
- Employee Additional Life
- Spouse Life
- Child Life
- Employee Additional Life
- Long-term Disability Insurance
- Manager’s Income Protection Plan
Life Insurance
You can enroll or increase the amount of coverage as outlined below for employee additional life, spouse life, and child life insurance. If you want to increase the value of your insurance by more than the amounts below, you must provide evidence that you (or the person you are insuring) are in good health. It's called evidence of insurability.
| Current coverage | Amount you can increase without evidence of insurability |
|---|---|
| $0 - $35,000 | $5,000 |
| $40,000 - $55,000 | $10,000 |
| $60,000 - $75,000 | $15,000 |
| $80,000 - $95,000 | $20,000 |
| $100,000 or more | $25,000 |
Find out more about life insurance outside of open enrollment.
Long-term Disability Insurance
- Enroll in or change the amount of your coverage. Enrollment is in increments of $100.
- The minimum benefit is $300 per month up to a maximum of 60 percent of your gross annual salary.
- Premiums are listed below.
Short-term Disability Insurance
If you already have the benefit it will continue in 2026. Premiums are listed below. Otherwise, you may sign up for short-term disability coverage if you provide evidence that you are in good health. It's called evidence of insurability.
Find out more about short- and long-term disability insurance benefits outside of open enrollment.
Manager's Income Protection Plan (IPP)
The Manager's Income Protection Plan (IPP) is a combined life insurance and disability benefit available to managerial-level employees. During Open Enrollment you can reduce the amount of time you have to wait before the benefits take effect. It's called the elimination period. You can reduce the wait by 30 days. If you want to reduce the wait by more than 30 days, you need to provide evidence of good health.
Find out more about the Manager’s Income Protection Plan outside open enrollment.