Group Life/AD&D, Travel and Disability Insurances

Basic term life insurance, basic accidental death and dismemberment (AD&D) insurance and long-term disability insurance are automatically provided to you at no cost (see applicable bargaining agreement or handbook). You may purchase optional additional life and AD&D insurance coverage for yourself and your dependents. If you do so when you are first eligible for benefits, there is a guaranteed issue provision.

An accidental death policy that covers you while traveling on official college business is provided to you at no cost. Long-term disability coverage is also provided to you at no cost. If your claim is approved, you may be paid two-thirds of your earnings prior to the disability after a 90-day waiting period, up to a maximum of $8,000 per month.

Eligible employees

Include full-time Faculty, full-time and part-time: Classified, Managerial, Academic Professionals, Confidentials. Part time faculty members are not eligible for these benefits.

Employer Paid Group Insurance

The coverage shown below is provided by The Standard Insurance Company.

Employee Type Life AD & D Disability PCC Business Travel (Life)
Classified
(600 hrs. minimum)
$20,000 $20,000 66.667% of Gross Income $100,000
Faculty
(FT 180 Day Contract)
$20,000 $20,000 66.667% of Gross Income $100,000
Academic Professional (AP) (960 hrs. minimum) $20,000 $20,000 66.667% of Gross Income $100,000
Management (1040 hrs. minimum) $50,000 $50,000 66.667% of Gross Income $100,000
Confidential $50,000 $50,000 66.667% of Gross Income $100,000

Optional Group Insurance

Note: This is a time-sensitive elective benefit. The guaranteed issue is available only during the first 31 days of benefit eligibility.

You may also purchase optional additional life insurance through post-tax payroll deductions. If you elect to purchase additional optional life insurance within the first 31 days of benefit eligibility, you are guaranteed issue for up to $100,000 for yourself, $30,000 for your spouse or domestic partner, and $10,000 for your child or children. Optional additional Accidental Death and Dismemberment (AD&D) Insurance is also available during this guaranteed issue period.

You may enroll in a maximum of $500,000 in additional life insurance and/or AD&D coverage. If you enroll after the guaranteed issue period or elect coverage over the guaranteed issue amount listed above, you and/or your spouse/domestic partner must complete a medical history and your coverage is subject to approval by The Standard. This insurance coverage is effective the first of the month following The Standard's underwriting approval.

If you do not enroll in optional insurance during the guaranteed issue period, you may apply for optional insurance at open enrollment, but your application is subject to approval by the underwriting department of The Standard.

  • Life and AD&D insurance are portable (limits apply) should your employment with the college terminate.
  • In the event that you are diagnosed with a documented terminal illness, a portion of the life insurance benefit can be paid to you while you are still living.
Rates are shown below. For additional information about this self-pay optional insurance benefit, please contact the Benefits Team.

Group Term Life - How to Enroll

To calculate your coverage cost, determine the amount of life insurance that is right for you and your dependents. Calculate insurance age by subtracting the year of birth from the plan year. Calculate the amount of payroll deduction for the coverage you have chosen using the rate schedule below. You may enroll or increase your coverage online when you first become eligible for benefits or during annual Open Enrollment. You may add or increase coverage at the time of a qualified status change by submitting a mid-year change form. For more information on life and AD&D insurance, please see the plan summary.

Optional Life Insurance Rates:

Optional Employee Life Plans
$10,000 - $500,000 Maximum Benefit
Age as of each October 1 Rate (per $10,000 of benefit)
Under 25 $0.40
25 – 29 $0.45
30 – 34 $0.50
35 – 39 $0.70
40 – 44 $1.00
45 – 49 $1.50
50 – 54 $2.30
55 – 59 $4.30
60 – 64 $6.60
65 – 69 $12.70
70 – 74 $14.80
75+ $20.60
Optional Spouse/DP Life Plans
$10,000 - $500,000 Maximum Benefit
Age as of each October 1 Rate (per $10,000 of benefit)
Under 25 $0.52
25 – 29 $0.62
30 – 34 $0.83
35 – 39 $0.94
40 – 44 $1.15
45 – 49 $1.78
50 – 54 $2.62
55 – 59 $4.72
60 – 64 $7.13
65 – 69 $13.63
70 – 74 $16.34
75+ $37.74
Optional Child Life Plan
$2,000 -- $10,000 Maximum Benefit
Rate (per $2,000 of Benefit) $0.10

Optional AD&D Rates:

Optional Employee AD&D Plan
$10,000 - $500,000 Maximum Benefit
Rate (per $10,000 of Benefit) $0.20
Optional Spouse/DP AD&D Plan
$10,000 - $500,000 Maximum Benefit
Rate (per $10,000 of Benefit) $0.20
Optional Child Life Plan
$2,000 -- $10,000 Maximum Benefit
Rate (per $2,000 of Benefit) $0.04