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Life Insurance

This summary is intended to provide you with an easy to understand explanation of life insurance benefits. If any conflict should arise between this summary and the official plan certificate, or if any provision regarding these coverages is not described or only partially described in this summary, the terms of the official plan certificate shall govern.

Open Enrollment NOTE:
During the 2014 open enrollment period we are asking all benefits eligible employees to update their life insurance beneficiary. This is a paper process; therefore the information is not available online or via this open enrollment website.  We ask each benefits eligible employee to complete a Beneficiary-Form pdfand return to:
Ohio University Benefits
169 West Union Street
Athens, OH  45701 

Questions regarding this process? email benefits@ohio.edu

Basic Life Insurance**

Basic Life Insurance is provided to all full-time employees at no charge. In the case of your death, your beneficiary will receive two and a half times your salary up to a $50,000 benefit maximum.

The basic life insurance benefit does include benefits for accidental death and dismemberment, however there are some limitations regarding when benefits are payable for accidental death and dismemberment.

Full details of the basic life insurance plan, including eligibility and benefit limits and exclusions, are included in the group life certificate of insurance

Supplemental Life Insurance**

Supplemental Life Insurance allows you to buy additional life insurance above your Basic Life coverage, at a low group rate.

With Supplemental Life Insurance, you can choose to increase your current life insurance benefit in increments of $10,000. Rates are based on your age, and the maximum benefit is $500,000. When purchasing Supplemental Life Insurance, evidence of insurability will be required if purchasing more than $20,000. Proof of good health may be required, and your premiums will be deducted from your paycheck on a post-tax basis.Note: If you have been previously denied coverage by Dearborn National, you will need to complete an Evidence of Insurability before being approved for any increase in coverage.

You can only enroll in Supplemental Life Insurance every year during open enrollment. Once you enroll in Supplemental Life Insurance, your coverage remains the same from year to year unless you change it. You may increase, decrease or discontinue your coverage every year during open enrollment. You may change your coverage during the year if necessary due to a change in family status such as marriage, divorce or adoption. In these cases, contact the Benefits Office for enrollment information.

Supplemental Life Insurance is eligible for accelerated benefits. This means you can collect a percentage of your benefit if you are deemed to be terminally ill with twelve months or fewer to live as indicated by a physician. Your Supplemental Life Insurance has no savings or cash-value benefit.The supplemental life plan does contain some exclusions, such as limits to when benefits are payable due to a suicide.

Visit the Benefits Rates page to view Supplemental Life premiums.

Dependent Life Insurance**

With Dependent Life Insurance, you may choose to cover your spouse and children at a low, group rate. Rates for Dependent Life are blended- this means you pay one flat rate regardless of the number of family members you cover.

There are three levels of Dependent Life from which to choose:

  • Option A: $10,000 of coverage for your spouse with $5,000 of coverage for each child, or
  • Option B: $5,000 of coverage for your spouse with $2,000 of coverage for each child, or
  • Option C: $20,000 of coverage for your spouse with $10,000 for each child

Individuals eligible for Dependent Life Insurance are your:

  • Spouse or Domestic Partner

  • Unmarried Children, from live birth to the attainment of age 19 or 23 if a full time student.
    Coverage may be extended for children who are physically or mentally incapable of self support.  See plan certificate for details.  

You must notify the university when a dependent is no longer eligible for coverage.  All premiums paid for dependents who are no longer eligible for coverage will be refunded without any payment of a life insurance benefit.

You can only enroll in Dependent Life Insurance every year during open enrollment. Once you enroll in Dependent Life Insurance, your coverage remains the same from year to year unless you change it. You may increase, decrease or discontinue your coverage every year during open enrollment. You may change your coverage during the year if necessary due to a change in family status such as marriage, divorce or adoption. In these cases, contact the Benefits Office for enrollment information.

When you enroll in Dependent Life Insurance, you automatically become the beneficiary. Dependent Life Insurance is not eligible for accelerated benefits, nor does it have any savings or cash-value benefit. Premiums are deducted on a post-tax basis.

Visit the Benefits Rates page to view Dependent Life premiums.


**AFSCME members: Consult your union contract for details regarding your benefit coverages.

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