Overview

If you become disabled, you may be eligible to continue your State Group Life Insurance, Individual & Family Life Insurance, and Income Continuation Insurance at no cost to you.

State Group Life Insurance

Eligibility

  • You are under age 70,
  • You are insured under the State Group Life Insurance program when you become disabled, and
  • You are totally disabled and are likely to be disabled for the indefinite future.

Premium Waiver

  • Notify your institution of your disability as soon as it occurs. Your institution will file your premium waiver.
  • Your premium waiver will take effect once you have stopped receiving earnings from the University, including paid leave.
  • You may only file a premium waiver after termination of employment IF the disability occurred before you terminated. You have 36 months after the last day for which earnings were paid to inform your institution of your disability.
  • Once the premium waiver has been submitted by your institution, Securian will contact you to request medical documentation.
  • Your premium waiver will remain in effect until your retirement age, usually age 65. If you are still disabled when you reach your retirement age, typically your coverage will automatically continue at a reduced amount for your lifetime.

Individual and Family Life Insurance

Eligibility

  • You are under age 60,
  • You are insured under the Individual and Family Life Insurance program when you become disabled,
  • You are totally disabled for more than six continuous months, and
  • You must continue to pay your premium for the first six months you are off work due to disability.

Premium Waiver

  • Notify your institution of your disability as soon as it occurs. Your institution will file your premium waiver.
  • You may continue the same coverage amount you had while actively employed.
  • As long as you remain disabled, the premium waiver will stay in effect until your 65th birthday or until you fail to furnish proof of your disability.

Income Continuation Insurance (ICI)

Eligibility

  • ICI premiums are waived effective the first of the month on or after the date ICI benefits begin or upon termination of employment, whichever occurs first.

Premium Waiver

  • Do not assume premiums are waived until notified by the third party administrator of the ICI claim approval.
  • The premium waiver remains in effect through the end of the month in which the employee’s leave of absence ends. A leave of absence ends when the employee has resumed active performance of duty for 30 consecutive calendar days for at least 50% of what is considered that employee’s normal work time.

last updated: 12/9/2016

Every effort has been made to ensure this information is current and correct. This page does not guarantee enrollment or the ability to make changes to your benefits.