Life Insurance

Supplemental Life Insurance

Employees may purchase Supplemental Life Insurance to enhance the UA Paid Basic Life Insurance. Employees may also enroll their spouse/FIP and/or child(ren).

Review the eligibility requirements below to see who can be covered under the Supplemental Life Insurance policy. You do not need to be enrolled in employee Supplemental Life to enroll your spouse/FIP and/or child(ren). You can choose to enroll just these dependents without employee Supplemental Life Coverage.

 

All benefit-eligible employees are eligible to purchase Supplemental Life Insurance. You cannot enroll yourself as an employee and as a spouse/FIP under another UA employee's plan.
All benefit-eligible employees can enroll their spouse/FIP in Supplemental Life Insurance. You cannot enroll your spouse/FIP if they are covering themselves with Supplemental Life as a UA employee.
You can enroll your child(ren) as long as they are under the age of 26. One enrollment covers all children in the household.

Employees can enroll themselves, their spouse/FIP, or their children within their first 30 days of employment, during open enrollment, or within 30 days of a life event. ​If Evidence of Insurability (EOI) is needed, please review the Electronic Evidence of Insurability Form.

New benefit-eligible employees can enroll within 30 days of their start date. The Supplemental Life Insurance option is available on the New Employee Health Care Form.

The guaranteed issue for employee coverage is $200,000. Anything over $200,000 requires EOI.
The guaranteed issue for employee coverage is $100,000. Anything over the guaranteed issue requires an EOI.

Current benefit-eligible employees can enroll or increase their coverage during open enrollment or within 30 days of a life event.

The Life Event form allows you to make updates to these coverages Life Event Changes Form. The open enrollment form is provided each year during open enrollment.

The guaranteed issue for employee coverage is $200,000. Anything over $200,000 requires EOI.
The guaranteed issue for employee coverage is $100,000. Anything over the guaranteed issue requires an EOI.

New benefit-eligible employees can enroll their spouse/FIP and/or Child(ren) in Supplemental Life Insurance within 30 days of their start date. The Supplemental Life Insurance option is available on the New Employee Health Care Form.​

You do not need to be enrolled in employee Supplemental Life to enroll your spouse/FIP and/or child(ren). You can choose to enroll just these dependents without employee Supplemental Life Coverage.

Guaranteed Issue (under 65): $50,000

Guaranteed Issue (over 65): $20,000

You can elect to enroll in $10,000 increments up to a maximum of $150,000.

All dependent children in the household are covered under one election of $10,000. There is no EOI required.

Current benefit-eligible employees can enroll or increase their coverage during open enrollment or within 30 days of a life event.

The Life Event form allows you to make updates to these coverages Life Event Changes Form. The open enrollment form is provided each year during open enrollment.

You do not need to be enrolled in employee Supplemental Life to enroll your spouse/FIP and/or child(ren). You can choose to enroll just these dependents without employee Supplemental Life Coverage.

Guaranteed Issue (under 65): $50,000

Guaranteed Issue (over 65): $20,000

You can elect to enroll in $10,000 increments up to a maximum of $150,000.

All dependent children in the household are covered under one election of $10,000. There is no EOI required.

The beneficiary for employee coverage must be designated by the employee through the Beneficiary Form. You may change your beneficiary at any time by completing a new form.

The beneficiary for spouse/FIP and/or Child(ren) coverage is the employee. This cannot be changed.

Bi-weekly rates are based on the amount of Supplemental Life Insurance selected and the age of the covered person as of July 1 each year.  Check the FY24 rates in our Enrollment Guide on page 25, or contact the benefits team at ua-benefits@alaska.edu. Payments are post-tax and made through bi-weekly payroll deductions. 

Arrears
As of July 1, 2023, all employees - regardless of contract length - will now be on a 26 pay period (12 month) deduction schedule. This means that employees who work less than 26 pay periods in a fiscal year (9, 10, and 11-month employees) will accrue arrears for missed deductions.

Arrears will be paid biweekly when you return on-contract at a rate of 40% of the current deduction(s) until the arrears balance is paid.

  1. Health care
  2. Dental
  3. Vision
  4. Supplemental Life
  5. AD&D

Arrears will be paid biweekly when you return on-contract at a rate of 100% of the current deduction(s) until the arrears balance is paid.

  1. FSA medical care
  2. Corestream

Arrears will not be collected for...

  1. HSAs
  2. FSA dependent care accounts
  3. Pet insurance (Pet insurance payments are made directly with ASPCA and are not included in payroll deduction. Employees are responsible for these premiums.)

Arrears Balance
You can view your arrears balance at any time on UAOnline by clicking on "Employee Service" > "Benefits & Deductions" > "Arrears Balance."

If a life insurance claim needs to be filed, please contact the benefits team at ua-benefits@alaska.edu. The claim will be initiated through the benefits department and routed through Securian for review and next-steps.