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Division of Human Resources


Life Insurance

The following insurance plans are administered by Minnesota Life, a Securian Financial Group Affiliate. If you have questions about these plans, you may contact them directly at 866-486-5298.

Basic Life Plan

If you enroll in either of the State Health Plans, you will automatically be covered for $3,000 in life insurance and $3,000 in accidental death and dismemberment, at no cost to you

Optional Life Plan

New employees can elect initial coverage (within 31 days of the start date) in $10,000 increments up to three times their basic annual salary (up to a $500,000 maximum) without providing medical evidence of good health. This figure will be rounded down to the nearest $10,000 increment. During initial enrollment, additional coverage above three times your basic annual salary (up to $500,000) may be requested, provided that you show medical evidence of good health [pdf].

Employees may enroll or make changes in the State Optional Life program in the event of a special eligibility situation within 31 days of the qualifying event. Examples of qualifying events include birth, marriage, adoption or foster child placement.

The plan includes:

  • accidental death and dismemberment benefits equal to the face amount of the policy
  • a living benefit for terminally ill members under age 60
  • a seat belt provision of an additional 25% of the accidental death benefit when applicable
  • day care, education, felonious assault and repatriation benefits

For more details about coverage levels and cost, please refer to your UofSC Insurance Benefits Summary [pdf] or the monthly premiums chart [pdf]

Dependent Life Spouse Plan

An employee may elect to cover their spouse with life coverage in increments of $10,000, up to 50% of the employee's Optional Life coverage or $100,000, whichever is less. However, an employee either not enrolled or enrolled for up to $30,000 may still enroll in spouse coverage up to $20,000. Medical evidence of good health is required for initial coverage greater than $20,000. Premiums are the same as Optional Life rates for employees and are based on the employee's age.

For more details about coverage levels and cost, please refer to your UofSC Insurance Benefits Summary [pdf] or the monthly premiums chart [pdf]

Dependent Life Child Plan

An employee may elect to cover his/her dependent children up to age 25 (provided they are a full-time student from age 19-24; if not, a benefit will be provided up to the last of the month following their 19th birthday) for $15,000. Children may be enrolled in the Dependent Life program at any time during the year. The premium for coverage for children is $1.10 per month, regardless of the number of children covered.