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Human Resources
 

Optional Spouse/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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