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Benefits for Life: Be Safe, Be Protected, Be Prepared

Benefits for Life, the retiree-paid, optional coverage program offered through the State of Michigan.

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 pension 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.

Call: 888-744-7525

Eligibility Information | Enrollment Information

Select the links below to review the optional coverage plans for retirees:

Supplemental Term Life Insurance
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.

Identity Theft
Identity Theft through IDShield provides full service 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 include $5M insurance (increased from up to $1M individual & $2M for family) and home and title monitoring.

Legal Plan
Update for 2024: LegalShield will be the new insurance provider for the Legal Plan effective 9/1/2024. If you would like to have legal coverage as of 9/1/2024 you must newly enroll during the Benefits for Life Open Enrollment. This new plan offers benefit enhancements with a lower premium, as well as a bundled rate if enrolled alongside Identity Theft.

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.

Auto and Home Insurance
These voluntary benefits provide a special discount on auto and homeowners insurance. 

Discount Plan
The Discount Plan provides exclusive discounts from thousands of local and national merchants. Enrollment in this plan is offered online.


Call Benefits for Life at 888-744-7525 with questions, Monday through Friday, 9:00 a.m. to 6:00 p.m.