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Human Resources
 

Optional Spouse and Domestic Partner Life Insurance Print Email Text size

A spouse or domestic partner must be a U.S. resident to be insured under the spouse life insurance plan.  

The spouse/partner plan offers life insurance from $5,000 to $100,000 (in $5,000 increments).

A new employee (or an employee who is newly benefits eligible) may elect up to $50,000 without the completion of the evidence of insurability form.

If you are an existing employee who wishes to add or increase your coverage, any increase of more than $5,000 per year at open enrollment or any amount of coverage over $50,000 are subject to approval of the evidence of insurability 

The cost of spouse life coverage is based on the employee's age:

Age

 Rates

Less than 30

 $.040

30 to 34

 $.056

35 to 39

 $.064

40 to 44

 $.080

45 to 49

 $.120

50 to 54

 $.185

55 to 59

 $.337

60 to 64

 $.522

65 to 69

 $.972

70 to 74

 $1.582

75 to 79

 $1.991

80 to 84

 $1.991

85 and older

 $1.991

  

The cost noted above is per $1,000 of coverage.  Coverage is subject to the Age Reduction Schedule. 

Example

So, for example, if you are age 45 and wanted $25,000 of coverage for your spouse, the cost is calculated as follows:

  • $25,000 / $1,000 = 25
  • 25 x $.080 (the rate) = $2.00 per month (split between your two paychecks per month)

Change in Election

If you add new coverage or increase your coverage during benefits open enrollment more than $5,000, you will need to complete the   evidence of insurability form and return to Human Resources (MS-92).  

If you currently have coverage and your new coverage is $5,000 more and does not exceed $50,000, no evidence of insurability form is required.

Schedule of Benefits

For more information about the life insurance plan, please review the Schedule of Benefits.

 
 
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