close print view
Employee Life InsurancePlease select the button that represents the information that you would like to view:
Listed below are the primary contacts that may be needed in the event of a State of Michigan employee death:
What to expect after reporting a death
Returning & Retrieving Property
Often at the worksite there are personal items that belonged to the deceased employee. These items may include things such as photos, office supplies, or other items of that nature. Generally, the employee's immediate supervisor or co-workers will be available to assist surviving family members in retrieving these items from the worksite. Where access to the worksite presents security or safety risks (such as at a correctional facility), the employee's Human Resources Office may also provide necessary assistance.
A number of benefits are available to designated beneficiaries. However, there may be different beneficiaries designated for each different benefit. For example, some benefits can be paid to a current legal spouse and immediate family only, while other benefits can also be paid to an ex-spouse and/or friends. Some benefits can even be paid to non-human entities such as a school, a charity or trust funds.
Every employee is responsible for completing and updating separate beneficiary designation forms for each type of available benefit. Employees are encouraged to retain copies of these documents in a safe place. But, even if these copies are lost, the originals are always retained by the employee's Human Resources Office or within Self-Service where an online designation will replace any prior desgnation.
Whether or not you have actually been designated as a beneficiary can be verified by first contacting the deceased employee's Human Resources Office.
*Legislative, Judicial, and Auditor General staff should contact their respective Human Resource Office.
Payable Benefit - Employee Group Term Life Insurance
There are two different options for Employee Term Life Insurance:
Minnesota Life will generate a death benefit payment directly to the designated beneficiary(ies). If the beneficiary is a minor child, payment will only be paid to the child's legal guardian as appointed by the Probate Court.
Beneficiary Designation - Life Insurance
The employee can name any person, persons or entity including a charity or trust to receive the death benefit. There are no restrictions. In addition to one or more primary beneficiaries, the employee can also name a contingent beneficiary who should receive the death benefit in the event the primary beneficiary(ies) died before the employee. When two or more primary beneficiaries are named, the employee could designate a percentage of the total benefit that should be payable to each. If no percentage designation are made, the primary beneficiaries will share the benefit equally.
If at the time of the employee's death none of the named beneficiaries primary or contingent have survived the employee, the benefit will be paid as follows:
First, to the employee's legal spouse, if living;
Accidental Duty Death Benefit through Minnesota Life
This is a rider benefit under the State Employees Life Insurance Plan that pays an additional $100,000 death benefit if the employee's death resulted from injuries received while performing the duties of the employer, and the death occurs within 180 days from the date of the covered injury. Injuries are defined as accidental bodily injuries which result independently of sickness and all other causes.
The employee could name a different primary beneficiary(ies) for this rider benefit, if desired. Otherwise, the distribution of this benefit will be the same as the basic group life insurance.
The Human Resources Office will contact Minnesota Life on behalf of the designated beneficiary(ies) and supply information necessary for the processing of this rider benefit.
There are no restrictions on who an employee can designate as the beneficiary to receive their final paycheck. However, the employee is limited to naming only one primary and one secondary beneficiary on their beneficiary designation form, unless they named their children. If children are designated, only those children listed will share equally.
If the employee wanted to select more than one person (aside from their children) as a primary or secondary beneficiary, or if the employee wanted their final compensation to be divided in varying percentages to more than one person, they were instructed to designate their Estate as the beneficiary.
Divorce from a person designated as the spouse beneficiary, or the death of any individual named as a beneficiary voids the designation of that person as a beneficiary, but it does not void other designated beneficiaries on the same beneficiary designation form. In the event an employee chose to continue designating a former spouse as their beneficiary, a new designation form was required indicating the revised status of that person's relationship to the employee (for example, ex-spouse).
If the employee transferred from one principal employing department to another, the beneficiary designation form on file with the previous department was voided and a new form is required by the new department.
If the employee failed to designate any beneficiary(ies), or failed to replace a voided beneficiary designation, any final pay warrant due at the time of death will be held by the employing department until the administrator or executor of the estate files with that department a certified copy of the Probate Court order of appointment. Payment will be made only in accordance with the instructions of the Probate Court.
Contact: ING - (800) 748-6128
Employees of the State of Michigan* hired on or after March 31, 1997, are automatically enrolled in the Defined Contribution Retirement Plan, administered by ING. Employees hired prior to that time (except for those who transferred plans during a 1998 enrollment period) continue as members in the State Employees Defined Benefit Plan, administered by the Office of Retirement Services (ORS).
If married, the legal spouse is automatically the designated beneficiary. However, the employee can elect another beneficiary if the spouse consented to such by signing the on the beneficiary designation form. Aside from this, there are no other limitations or restrictions on who the employee could designate as a beneficiary.
If more than one primary beneficiary is designated, the employee could specify the percentage payable to each. If not specified, payment will be made in equal shares to each surviving primary beneficiary, or all to the last surviving primary beneficiary.
If, at the time of the employee's death there is no living primary beneficiary, benefits will be payable to the designated contingent beneficiary(ies). Also, if the primary beneficiary dies before all of the payable benefits are exhausted, the contingent beneficiary(ies) will receive the balance of any available benefits. If no beneficiary survives the employee, the benefit will be payable to the employee's estate.
Contact the Office of Retirement Services (ORS) (800) 381-5111
All employees of the State of Michigan* prior to March 31, 1997, were automatically enrolled in the Defined Benefit Plan administered by the Office of Retirement Service (ORS) (except for those who transferred to the Defined Contribution Plan plan during the 1998 enrollment period).
To determine whether or not pension benefits are available for a surviving beneficiary(ies) under the State Employees Retirement System, the first call should be made to ORS (800) 381-5111. In fact, most claims for retirement-related benefits must be initiated by that office.
In this event, a COBRA application form will be sent for every eligible person upon notification that the employee's death has occurred. This continuation form must be completed and returned as soon as possible, but no later than the due date on the form.
P.O. Box 30002
Lansing, MI 48909
Or fax to: (517) 373-3174
Please note, if a COBRA enrollment form is not submitted by the due date, all rights to continue enrollments in the State group insurance plans will end and all rights to the continuation of coverage under COBRA will have been forfeited.
The premiums for COBRA coverage will be billed on a monthly basis, and must be paid-in-full in advance. For those with premium payments in good standing, there is an opportunity each year, during a special COBRA open enrollment period, to make any changes in coverage desired for the next benefit year.
Once enrolled, eligibility for COBRA continuation will end if:
1. The full premium for continued coverage is not paid by the due date
If at the time of the the employee's death, a surviving enrolled family member was entitled to Medicare, they may continue coverage under COBRA; however, Medicare will be primary. This will be true even if they are only enrolled in Medicare Part A.
Contact: CMI, a York Risk Services Company - (800) 324-9901
Under the Workers’ Disability Compensation Act of 1969, if death results from the personal injury of an employee, his or her dependents may be entitled to compensation for up to 500 weeks. A separate benefit under this Act may also be available to cover the reasonable cost of the employee's funeral and burial, up to a maximum of $6,000. CMI, a York Risk Services Company is responsible for determining whether or not either of these benefits are payable under the Act.
The employee's Human Resources Office should notify CMI, a York Risk Services Company that the employee's death has occurred. Surviving dependents or other claimants should also contact CMI, a York Risk Services Company directly to file a claim as soon as possible, but no later than two years from the date of death.
PoliciesMichigan NewsMichigan.gov Survey
Copyright © 2014 State of Michigan