Life insurance gives a person a peace of mind, knowing that there is financial protection for one's family after his or her death. The Colleges provides benefits-eligible employees with the following group term life insurance programs. Term life insurance is basically death benefit coverage only for a specified period with no cash value, loan value, or other permanent benefit under the policy.

Basic Life Insurance

The Colleges provide term life insurance in an amount equal to the employee's annual salary up to a maximum coverage of $200,000. The cost of this coverage is paid for by the Colleges.

Coverage under the basic life insurance plan is effective on the date of hire, if the employee is actively at work. If not, then it is effective the first day the individual is actively at work. Employees must enroll to be covered.

NOTE: Designation of Beneficiary (form)
The Office of Human Resources maintains the enrollment information for life insurance including beneficiary information. It is a good practice to periodically check your designation so that it is current.

Supplemental Life Insurance

The Colleges also provide a contributory supplemental life insurance plan. Participation in this plan is voluntary. Under this plan, employees may purchase additional life insurance equal to one, two, three or four times their annual salary. The overall maximum sum of the basic life policy provided by the Colleges and the supplemental life policy is $650,000. The customary guarantee issue amount is the lesser of 2-times the employee salary or $200,00.

Cigna Life Insurance - New 2015

Evidence of Insurability Form / Change Form

At the time of hire employees may choose to purchase additional supplemental life insurance coverage equal to one times their salary without providing evidence of insurability. Employees may increase their insurance at any time if they provide acceptable evidence of insurability to the carrier. Participants may decrease their coverage as of the first of any month. Supplemental Life Premiums information.

Spousal and Dependent Life Insurance

Employees may purchase from a selection of life insurance coverage levels for his or her spouse and/or dependents. Spousal life insurance is available at $10,000, $25,000 or 50% of the employee's total basic and supplemental life coverage (may be required to provide evidence of insurability) up to $100,000. Premiums are age-rated and based on the employee's age. Dependent life insurance is available at a level of $4,000 for dependents age six months to 19 years of age; $100 coverage for children ages two weeks to six months. Premium is a family rated monthly premium regardless of the number of eligible dependents covered.

Enrollment Form



The benefits listed at left are provided through coverage under a group insurance policy. For further details of this coverage, refer to the Summary Plan Description or to the Office of Human Resources.


Preparing Students to Lead Lives of Consequence.