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Voluntary Benefits: Active Employee

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

Benefits for Life Optional Coverage Program

Benefits for Life is the employee-paid, optional coverage offered through the State of Michigan. For questions call: 888-825-8395 or email: Please watch the Benefits for Life Overview video for more information on the program or visit

The program offers the opportunity to apply for multiple types of supplemental benefits 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.

Benefits for Life Open Enrollment

Next BFL Open Enrollment: Spring 2025

Select the links below for a detailed look at who can enroll, how to enroll, view specific plan details for each benefit. To enroll in any of these benefits call 888-825-8395.

Eligibility Information
Enrollment Information

Accident Insurance
Pays based on a schedule of benefits for covered injuries and services that occur from off-the-job accidents regardless of other insurance you may have. Coverage is available for employees, spouse and children.

Accidental Death and Dismemberment (AD&D) Insurance
Provides financial assistance with the burden that can result from a serious accident. Eligible employees are able to enroll in coverage up to $1,000,000 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.

Auto and Home Insurance
These voluntary benefits provide a special discount 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. Enrollment in this plan is offered online. 

Hospital Indemnity Insurance
Pays a benefit directly to you for days you spend in the hospital.

Identity Theft
Identity Theft through IDShield provides complete identity restoration, access to licensed private investigators, numerous monitoring services, unlimited consultation, reputation management, VPN, cybersecurity/malware protection, a password manager, adult dependent parent coverage and more.

Enhancements to the Identity Theft plan effective 5/1/2024 include $5M insurance (increased from up to $1M individual & $2M for family) and home and title monitoring.

Legal Plan
Legal Protection through LegalShield provides access to a dedicated law firm who can assist with a variety of legal matters including traffic violations, estate planning, divorce, purchasing a home and much more.

Pet Insurance
Provides reimbursement to enrollees for covered pet vet visits.

Supplemental Term Life Insurance
Pays a lump sum benefit in the event of death. Allows payment through a Total Control Account (TCA) - this is an interest bearing account with draft writing privileges. A variety of flexible policy features and value adds are also available. Eligible employees are able to enroll in coverage up to $500,000 or 8x their annual earnings (whichever is lesser) without answering medical questions.

Universal Life Insurance
Pays a lump sum benefit in the event of death that builds cash value. The built-in Long Term Care rider will assist in paying for LTC expenses. The plan includes 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.

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

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