Life Insurance

• The state pays the full cost for benefits-eligible employees
  
• Automatically enrolled for this coverage upon becoming benefits-eligible, unless employment status does not qualify you for employer provided coverage
  
• All coverage is guaranteed, evidence of insurability (EOI) is not required
  
• Benefit based on annual salary (consult your bargaining agreement)
  
• Maximum coverage allowed is $95,000
  
• Basic term life for Managers - visit this page to learn more about the Income Protection Plan (IPP) for Managers.

• Elect coverage in $5,000 increments not to exceed $500,000
  
• As a new hire, you can elect up to two times your base salary, guaranteed - evidence of insurability (EOI) is not required, if elected within 30 days of your hire date.
  
• If you become benefits eligible after your hire date, you can elect up to two times your base salary, guaranteed - EOI is not required, if elected within 30 days of your initial eligibility date.
  
• EOI is required for coverage elected after your initial eligibility and/or if it exceeds the guaranteed maximum (two times your base salary).
  
• Employees can elect this coverage at any time during the year.

• Elect coverage in $5,000 increments not to exceed $500,000.
  
• As a new hire, you may elect up to $10,000 of coverage - guaranteed, evidence of insurability (EOI) is not required, if elected within 30 days of your initial eligibility date.
  
• If you become benefits eligible after your hire date, you can elect up to $10,000 of coverage - guaranteed, EOI is not required, if elected within 30 days of your initial eligibility date.
  
• EOI is required for coverage elected after your initial eligibility, and/or if it exceeds the guaranteed maximum ($10,000).
  
• Employees can elect this coverage at any time during the year.
  
• If you and your spouse or another family member are employed by the state, or another organization participating in the State Employee Group Insurance Program, none of the eligible members may cover the other as a dependent for Life or AD&D insurances as long as both are benefits eligible.

• Coverage amount is $10,000.
  
• One premium insures all of your eligible children. For more information about the eligibility of your children, please visit the Family Eligibility page
  
• As a new hire, coverage is guaranteed if elected within 30 days of your hire date.
  
• If you become benefits eligible after your hire date, coverage is guaranteed if elected within 30 days of your initial eligibility date.
  
• After your initial eligibility period, guaranteed coverage may be elected each annual open enrollment period - evidence of insurability is not required, or coverage may be elected any other time during the year with EOI.
  
• If two State of MN employees are married and have children in common, only one of them can cover their eligible children.

• Accidental Death and Dismemberment (AD&D) insurance provides coverage for death or dismemberment due to an accident.
  
• All coverage is guaranteed, evidence of insurability is not required. Employees can elect this coverage at any time during the year.
  
• Employee coverage may be elected in $5,000 increments, up to the plan maximum of $200,000.

• Accidental Death and Dismemberment (AD&D) insurance provides coverage for death or dismemberment due to an accident.
• All coverage is guaranteed, EOI is not required. Employees can elect this coverage at any time during the year.
• May be elected up to a maximum of $25,000
  
• You may not have a greater dollar value of coverage for your spouse than you have for yourself.
  
• Terminates when your spouse reaches age 70.
  
• If you and your spouse or another family member are employed by the state, or another organization participating in the State Employee Group Insurance Program, none of the eligible members may cover the other as a dependent for Life or AD&D insurances as long as both are benefits eligible.

• Evidence of Insurability involves completing a health questionnaire and may possibly require access to medical records or simplified physical exam.
• This Evidence is generally required when electing or increasing your optional life insurance coverages.
• If approved, the coverage is effective the date of the approval.
• You will be notified if your coverage has been approved or denied.

• Evidence of insurability is NOT required when:
  • Electing additional term life of up to two times your annual salary within your initial enrollment period if you are a New Employee or Newly Eligible Employee.
  • Electing spouse term life of up to $10,000 within your initial enrollment period if you are a New Employee or Newly Eligible Employee.
  • An active employee gets married and elects up to $10,000 of spouse term life. For more information about qualified life events visit our Change my Coverage page.
  • The value of employee or spouse term life insurance coverage automatically doubles in the event of an accidental death.

Rate Guide (PDF version) – This brings you to the life insurance rates section of the rate guide.

• If you become totally and permanently disabled before age 70, you may apply for a continuation of all your life insurance coverage currently in effect without further premium payments.
  
• The waiver of premium may continue until age 70.
  
• For more information contact SEGIP.

LifeBenefits from Securian Financial (Minnesota Life) gain a better understanding of your life insurance coverage, post-retirement options, beneficiary designations, and Life Suites resources.

OCHS - Administrator for Life and Disability find more information regarding your life and disability insurance, including claim filing forms and instructions, plus tools to help you determine your life and disability coverage needs.