• 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.
• Manager's Plan
  Choice of 1.5 or 2 times your annual salary.
• Other employees
  Refer to your collective bargaining unit or plan, to determine your amount.

Optional term Life

employee-elected

• 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.

Spouse term life

employee-elected

• 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.

Child term life

employee-elected

• Elect $10,000.
• One premium insures all of your eligible children.
• Children are eligible from live birth to age 26.
• As a new hire, elect coverage guaranteed within 30 days of your initial eligibility date.
• If you become benefits eligible after your hire date, elect coverage guaranteed within 30 days of your initial eligibility date.
• After your initial eligibility period, coverage may be elected each annual enrollment period  guaranteed - EOI is not required, or coverage may be elected any other time during the year with EOI.
• If two employees are married, and both are employees of the State of MN, only one of them can cover children.

Optional Accidental Death & Dismemberment (AD&D)

employee-elected

• Employee coverage may be elected in $5,000 increments, up to a maximum of $200,000.
• Spouse coverage:
  • May be elected up to a maximum of $25,000
  • Cannot exceed the employee’s amount
  • Terminates when your spouse reaches age 70
• All coverage is guaranteed, EOI is not required. Employees can elect this coverage at any time during the year.

*$200,000 available for elections effective January, 1, 2020 or later