2025 Basic Group Term Life and Accidental Death and Dismemberment Insurance
The state will pay 100% of the premiums in 2025 for employee basic term life/basic accidental death and dismemberment insurance for central state government and state higher education employees. This does not apply to employees of state offline agencies. Employees of state offline agencies should consult with their agency benefits coordinator about premiums.
Basic term life: Designated beneficiaries will receive 1X the employee’s base annual salary rounded to the next highest thousand ($50K minimum/$250K maximum, except when reduced at age milestones).
- You may opt to decrease your coverage to $50,000 to avoid imputed income, as outlined in IRS publication 15B.
- State offline agency employees may waive basic term life/basic AD&D coverage
Basic accidental death and dismemberment: Employee coverage will be 1X basic term life insurance coverage.
Your basic term life/basic AD&D coverage amounts decrease at ages 65 and over.
Voluntary Accidental Death and Dismemberment Insurance
Employees can buy voluntary accidental death and dismemberment insurance to give additional protection if you or your covered dependent’s death or dismemberment is due to an accident. This is in addition to the employee basic AD&D coverage. The employee will pay the full monthly premium. Enroll and keep the beneficiary information current in Edison.
- Employee coverage is based on these five amounts: $50,000, $60,000, $100,000, $250,000 or $500,000.
- Dependent enrollment is based on coverage tiers [spouse only, spouse + child(ren), or child(ren) only]. During Annual Enrollment, dependents may be removed or added for this coverage via Edison ESS.
- Dependent voluntary AD&D coverage amounts are a percentage of the employee’s voluntary AD&D coverage amount. The coverage tiers are spouse only (60%), spouse enrolled with child(ren) (40%) and child(ren) (10% per child).
- Dependent premium rates are per $1,000 of total dependent coverage.
- Benefits will be paid for dismemberment if the loss occurs within 180 days of the accident, provided the employee or dependent was covered on the date of the accident and met the established criteria. Accident could occur at work or elsewhere.
- Coverage is available at low group rates and enrolling in voluntary AD&D never requires answers to health questions.
- Premiums will be for the coverage level the employee selects.
Additional benefits include:
- Adaptive home and vehicle
- Payment if insured lapses into a coma (lasting at least 31 days) as a result of and within one year of a covered injury
- Repatriation
Find more information on the Publications page under Life Insurance.
Voluntary Term Life Insurance
Apply for or increase coverage and update beneficiaries on the Securian website.
If eligible, employees can buy voluntary term life insurance for themselves, their spouse and their children. Enrollment is not automatic. An employee must apply for this coverage, and this insurance is in addition to the employee basic term life and basic accidental death and dismemberment insurance. The employee’s spouse may apply for enrollment in this coverage even if the employee does not enroll. A child term rider may be added to the employee’s or spouse’s certificate, but not to both. If the employee’s spouse is also a state employee, the spouse must apply for coverage as an employee, not as the other employee’s spouse.