Eligibility to participate in the Benefits for Life plans varies by plan as shown in the table below. For some plans, you can also cover your spouse, eligible children, and grandchildren. Non-career employees are not eligible to enroll in this optional coverage program.
| Benefits for Life Plan | Eligibility to Participate |
|
Identity Theft |
Full-time and part-time employees working 20 hours or more per week. |
|
Supplemental Term Life Insurance |
Active employees regularly scheduled to work 15 or more hours per week or a minimum of 750 hours during a rolling 12-month period. |
| Accidental Death and Dismemberment Insurance (AD&D) | Active employees regularly scheduled to work 15 or more hours per week or a minimum of 750 hours during a rolling 12-month period. |
|
Universal Life Insurance |
Active employees working 20 hours per week after completion of 3 months of continuous service. |
|
Critical Illness Insurance |
Active employees working 20 hours per week after completion of 3 months of continuous service. |
| Accident Insurance | Active employees working 20 hours per week. |
| Auto and Home Insurance | All benefit-eligible active employees. |
|
Legal Insurance Plan |
Active employees regularly scheduled to work 15 or more hours per week or a minimum of 750 hours during a rolling 12-month period. |
| Discount Plan | All benefit-eligible active employees. |
|
Individual Long-Term Care Insurance |
Active employees working 20 hours per week within the first 90 days of consecutive employment to apply and pass through reduced underwriting. Otherwise must pass full medical underwriting. Non-career employees are not eligible to enroll in this optional coverage. |
| Benefits for Life Plan | Dependent Eligibility to Participate |
|
Identity Theft |
Your spouse and eligible children. Children are covered up to age 26. |
|
Supplemental Term Life Insurance |
Your spouse and eligible children. Children are covered up to age 26. |
| Accidental Death and Dismemberment Insurance (AD&D) | Your spouse and eligible children. Children are covered up to age 26. |
|
Universal Life Insurance |
Your spouse, eligible children and grandchildren. Children are eligible up to age 19 or up to age 23 if a full-time student. |
|
Critical Illness Insurance |
Your spouse and eligible children. Children are eligible up to age 26. |
| Accident Insurance | Your spouse and eligible children. Children are eligible up to age 26. Spouse must not be disabled at the time of application. |
| Auto and Home Insurance | All resident family members of benefit-eligible, active employees. |
|
Legal Insurance Plan |
Your spouse and eligible children. Children are covered up to age 26. |
| Discount Plan | All resident family members of benefit-eligible, active employees. |
| Individual Long-Term Care Insurance |
All family members of benefit-eligible, active employees may apply through full medical underwriting. Eligible family members include: spouses/partners, parents, grandparents, in-laws, adult children (18 and over) and siblings. |
Note: Members of the Senate are not eligible for the Supplemental Term Life and Accidental Death and Dismemberment (AD&D) Insurances. Dependents who are not listed in the table above are not eligible to be added to or maintain Benefits for Life coverage; this includes ex-spouses. You must contact the Benefits for Life Call Center at 888-825-8395 to remove dependents from coverage once they are no longer eligible.
If you are on an unpaid leave of absence for at least two consecutive weeks please contact the Benefits for Life Call Center at 888-825-8395. The insurance carriers must be notified of the leave of absence so payment arrangements can be made to avoid a lapse in benefit coverage. During this time you will be directly billed for your benefits from the insurance carriers and payroll deductions for your benefits will deactivate. Upon returning to work please contact the Benefits for Life Call Center. The insurance carriers must be notified that you have returned to work so that payroll deductions for your benefits can be restarted.
If you enroll in a voluntary benefit plan(s) during the open enrollment period and go on an unpaid leave of absence (removed from payroll), prior to the coverage effective date and/or first payroll deduction, one of the following two scenarios can occur based on the length of time you’re off:
1. If your leave of absence lasts less than 60 consecutive days after the original coverage effective date, your coverage will not be effective until the first date of the month that coincides with or follows your return to work date.
OR
2. If your leave of absence lasts 60 or more consecutive days after the original coverage effective date, your election will be terminated and you will not be covered upon returning to work. You will then have to wait until the next open enrollment period to enroll in benefits.
Note: All paid voluntary benefit plans require you to have at least one payroll deduction taken before you can alter payment options, such as direct payment to the insurance company. If you enrolled in the Discount Plan and activated your new discount code, following enrollment you may continue to use this plan until the following benefit year.
