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.

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.

 

Benefits for Life Enrollment
March 12, 2018 through March 30, 2018

You can enroll in Benefits for Life online by going to BenefitsforLife.Org and following the on-screen instructions. You may also enroll by calling 888-825-8395. The open enrollment period for voluntary benefits begins March 12, 2018 and ends March 30, 2018.

New Hires and employees returning from a Leave of Absence with a start date outside of the annual Benefits for Life enrollment period will need to wait until the next open enrollment period to make elections in most benefits.

You can enroll in Auto and Home Insurance, and Accidental Death and Dismemberment Insurance (AD&D) at any time throughout the year. Effective May 1st, 2018, MetLife will be the new insurance provider for the AD&D Insurance, Supplemental Term Life Insurance, and Legal Plans. The MetLife plans offer several benefit enhancements with lower premium payments on most coverage levels. Due to the transition of carriers, enrollment in the AD&D Insurance, Supplemental Term Life Insurance, and Legal Plans will be temporarily unavailable starting February 1, 2018, through March 11, 2018. 

 

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 non-occupational 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. Eligible employees are able to enroll in coverage up to $700,000 without answering medical questions. This is an increase from $300,000 of coverage that was offered during past open enrollments.

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. Enrollment in this plan is offered online. If you are currently enrolled in this plan, you can make changes to your plan by calling the Benefits for Life Call Center during the open enrollment period.

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. Eligible employees are able to enroll in coverage up to $400,000 without answering medical questions. This is an increase from $350,000 of coverage that was offered during past open enrollments.

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. Enrollment in this plan is  offered online. If you are currently enrolled in this plan, you can make changes to your plan by calling the Benefits for Life Call Center during the open enrollment period.

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.

2018 Benefits for Life Highlights:
 
  • NEW MetLife Supplemental Term Life Insurance coverage up to $400,000 without answering medical questions. This is an increase from $350,000 of coverage that was offered during past open enrollments.
  • NEW MetLife Accidental Death and Dismemberment (AD&D) Insurance coverage up to $700,000 without answering medical questions. This is an increase from $300,000 of coverage that was offered during past open enrollments.
  • NEW Legal plans with Hyatt Legal Plans (a MetLife company): Choice of the MetLaw Legal Plan or the MetLaw with FraudScout Plan that includes Triple Bureau Monitoring.
Enroll in the Benefits for Life plans online by visiting BenefitsForLife.org between March 12 and March 30, 2018. 
 

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

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