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Eligibility is determined by type of appointment and FTE (full time equivalency).

• Staff or visiting faculty: FTE of 75% or greater*
• Faculty member (AAUP-represented or COM Med Faculty): FTE of 65% or greater

The university offers life insurance for an employee’s spouse or domestic partner, and/or children.

If a family member dies while covered by one of these plans, the Plan pays the employee a benefit.
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Cardigan Studio Studio winter winter Premise Premise Premise Boutique Boutique Cardigan winter Boutique According to state insurance law, coverage for family members cannot exceed 50% of an employee’s life insurance.  For example, if an employee chooses $5,000 in coverage for him/herself, a $2,000 policy for his/her children can be elected but a spouse/r domestic partner cannot be covered.

∗Post Docs are not eligible for spouse/partner and child/ren life insurance.

If an employee elects "Waive Coverage" for family members at initial eligibility, the employee may elect only the lowest level of coverage  during the next Annual Enrollment opportunity.

The cost of coverage for eligible dependent children is the same no matter how many children are covered, up to age 19, or 23 if a full time student; up to age 25 if full time student and child of AAUP member.  It is your responsibility to notify HR when your youngest covered child reaches the maximum age.

If an employee elects "Waive Coverage" for family members at initial eligibility, the employee may elect only the lowest level of coverage during the next Annual Enrollment opportunity.

The employee is the beneficiary for all family life insurance.

Employee pays full cost of spouse/domestic partner and dependent child/ren life insurance with after-tax dollars, through payroll deduction. Here is the 2017 rate worksheet / 2018 Employee Contributions page.
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• Portability:  If the employee is no longer eligible for coverage,   his/her dependents may be eligible to continue his/her in-force  Family Term Life insurance.  Premiums will be higher than those paid by active employees.
  
• Limitations:  An employee cannot also be covered as a dependent; dependent child cannot be covered by more than one employee in plan.   No benefit paid if a covered family member dies as result of suicide within 24 months of effective date of coverage or change in coverage. Any additional or increased family coverage elected begins on the date of the qualified status change or the first day of the next plan year if elected during Annual Enrollment unless the spouse, domestic partner, or dependent is hospitalized or confined.  If the eligible spouse, domestic partner, or dependent child is hospitalized or confined due to illness or disease, coverage will begin on the date he/she is no longer hospitalized or confined.   Other exclusions and limitations also apply; see Life Insurance Policy for more information.
• If both you and your spouse work for UC in a benefits eligible position - please note:
  • Only one spouse can elect Dependent Life Insurance and/or Personal Accident Insurance covering the same dependent children.
  • Neither of you can elect spouse Life Insurance (as both of you are covered with Employee Life Insurance).

• Employee/Dependent Life Certificate of Insurance
• Minnesota Life Beneficiaries: 
  • Beneficiary Designations
  • Naming a Beneficiary Presentation
• Minnesota Life Video: Term Life Insurance
• Understand your life insurance deductions by viewing a sample pay statement found Pants Boutique Dress Old Pants Dress Navy Old Boutique Navy Old Boutique Dress Navy Boutique Pants Old 6wx15qP.
  
• Form to Port life/PAI to bill-at-home policy found Pants Boutique Dress Old Pants Dress Navy Old Boutique Navy Old Boutique Dress Navy Boutique Pants Old 6wx15qP.

Click below for a full listing of UC resources and all benefits providers and vendors.