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

Enrollment Information

The next Benefits for Life Open Enrollment will be held Spring 2023.

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.

Employees can enroll in Auto and Home Insurance, Discount Plan, and Accidental Death and Dismemberment Insurance (AD&D) at any time throughout the year. Employees can also enroll in Supplemental Term Life Insurance and Identity Theft within 60 days of your hire date. To enroll in any of these benefits call 888-825-8395 (888-VALUE-95).

2022 Benefits for Life Open Enrollment Payroll and Effective Dates

2022 BFL Open Enrollment:  March 7, 2022 - March 25, 2022

Benefit Plan Payroll Deduction Begins Policy Effective Date
Identity Theft April 28 May 1
Trustmark - Accident Insurance* April 28 June 1
Trustmark - Universal Life Insurance* April 28 June 1
Trustmark - Critical Illness Insurance* April 28 June 1
MetLife - Legal Plan April 28 May 1
MetLife - AD&D May 12 May 1
MetLife - Supplemental Term Life
Guarantee Issue Applications Only
(Note: Employees applying for more than the GI amount can take an additional 2-6 weeks based on the underwriting review)
May 12 May 1
Liberty Mutual/MetLife - Auto/Home Insurance Determined by employee Determined by employee
Abenity - Discount Plan No charge Upon registration**

If a change in coverage, new enrollment, or policy termination takes place outside of the annual BFL Open Enrollment, it can take up to two pay periods for any associated premium deduction change to reflect on the employee's earning statement. 

*Trustmark bills in advance for all of their benefits. The early deduction pays for the final month of coverage upon termination.

**Upon registering at with the code BFLPerks (case sensitive) and a State of Michigan email address the plan is available to use and will never expire.