Voluntary Benefits Through Benefits for Life

Benefits for Life Voluntary Insurance Program: Be safe, be protected, be prepared

Benefits for Life Optional Coverage Program

Benefits for Life, the employee-paid, optional coverage offered through the State of Michigan, is designed to help you be safe, be protected, and be prepared. For questions call: 888-825-8395 or email: som_bfl@ajg.com. Please watch the Benefits for Life Overview video for more information on the program.

The program offers you the opportunity to apply for coverage in key benefit areas and continue that coverage should you change jobs or retire. The Benefits for Life offerings do not replace your State-sponsored benefit plans. Instead, the program offers additional financial protection with premiums payable through the convenience of payroll deduction. You can customize your coverage by choosing from a range of plans that offer a combination of benefits and features that can help meet your personal and family insurance needs.

 

Individual Long-Term Care Insurance Open Enrollment

The open enrollment for the LifeSecure Individual Long-Term Care Insurance will take place January 9th, 2017 through February 3rd, 2017.  During this time eligible employees have a one-time opportunity to apply for this new benefit with reduced underwriting. This is a limited-time offer and will not be available each year with the same terms. Call 844-235-3344 for enrollment questions and assistance or visit the Individual Long-Term Care enrollment website to learn more, apply online, and get pricing information for you and your family: www.groupltci.com/som

You can enroll in Individual Long-Term Care Insurance, Auto and Home Insurance, and Accidental Death and Dismemberment Insurance (AD&D) at any time throughout the year by calling 888-825-8395 (888-VALUE-95).


Select the links below for a detailed look at who can enroll, how to enroll, and specific plan details for each benefit.

Eligibility Information
Enrollment Information

Accident Insurance
Offsets the cost of unexpected bills related to accidents that occur every day as well an AD&D benefit. This Insurance also provides additional benefits if you require hospitalization for a covered accident or injury regardless of other Insurance you may have.

Accidental Death and Dismemberment (AD&D) Insurance
Financial assistance with the burden that can result from a serious accident.

Note: Both the Accident Insurance and Accidental Death and Dismemberment Insurance (AD&D) plans provide benefits for accidental death and dismemberment. However, Accident Insurance from Trustmark also pays specific benefits for everyday accidents such as fractures, dislocations, lacerations, burns and many more. Accident Insurance also provides additional benefits if you require hospitalization for a covered accident or injury regardless of other Insurance you may have.

Auto and Home Insurance
This benefit provides a special discounted rate on Auto and Homeowners Insurance.

Critical Illness Insurance
Provides a lump sum cash benefit upon the first diagnosis of a covered critical illness, including cancer.

Discount Plan
Provides exclusive discounts from thousands of local and national merchants.

Legal Plan
Provides access to a network of attorneys - over the phone or in person - for many common personal legal issues.

Supplemental Term Life Insurance
Serves as a foundation of financial protection that pays a lump sum benefit in the event of death. A variety of flexible policy features are also available.

Universal Life Insurance
Pays a lump sum benefit in the event of death and builds cash value that can help with other financial needs. May provide help in paying for long term care expenses. You must meet conditions of eligibility for benefits.

Individual Long-Term Care Insurance
Many people require some amount of long-term care services as they age. But a serious illness, disability, or accident could also cause someone much younger to need long-term care as well. Planning for the potential cost of long-term care is something that everyone should consider.


Key Features of Benefits for Life

Depending on the plans selected, coverage is available to eligible employees, their spouse, their children, and their grandchildren (Universal Life Insurance). Non-career employees are not eligible to enroll in this optional coverage program.

  • Flexible plan features that let you change coverage options as your needs change.

  • Coverage is portable should you change jobs or retire from State Service.

  • Payments for LifeSecure's Long-Term Care Insurance must be paid directly to LifeSecure via direct billing. All other payments for the other Benefits for Life plans can be made through the ease and convenience of payroll deduction.

Call Benefits for Life at 888-825-8395 with questions

Note: Non-career employees are not eligible to enroll in this optional coverage program.