Voluntary Benefits Through Benefits for Life
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: email@example.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.
Benefits for Life Open Enrollment
Next Open Enrollment Period: Spring 2020
You can enroll in Auto and Home Insurance, and Accidental Death and Dismemberment Insurance (AD&D) at any time throughout the year. You can also enroll in Supplemental Term Life Insurance within 60 days of your hire date. To enroll in any of these benefits call 888-825-8395.
Select the links below for a detailed look at who can enroll, how to enroll, and specific plan details for each benefit.
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.
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.
Provides exclusive discounts from thousands of local and national merchants.
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.
Universal Life Insurance
Trustmark Universal Life Insurance with Long-Term Care pays a lump sum benefit in the event of death that builds cash value that can help with other financial expenses. The built-in Long Term Care rider will assist in paying for LTC expenses. Trustmark’s updated Universal Life Insurance plan includes increased guaranteed issue coverage up to $75,000 for employees up to age 64 and a LTC coverage solution. Those who previously applied or have current coverage will require underwriting.*
*May be available on a guaranteed issue or modified guaranteed issue basis (some exceptions may apply).
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.
Note: Non-career employees are not eligible to enroll in this optional coverage program.