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Supplemental Group Life
Insurance Plan

For Employees and Their Dependents


Why Supplemental Group Life Insurance? Life insurance is an investment in your future. By having enough life insurance, you'll have the security of knowing your family's financial security is protected against life's uncertainties.

In addition to basic life insurance that the Montana University System provides at no cost to you, this supplemental coverage can help cover the costs associated with your death or the death of a dependent. It also can help replace lost income.

Supplemental Group Life Insurance is underwritten by The Standard Insurance. This coverage is available at affordable group rates with the convenience of payroll deduction.



Coverage Amounts

This supplemental group life insurance plan allows you to choose up to $200,000 coverage for yourself in units of $25,000. For your eligible dependents, you may choose from three coverage levels.

Employees Eligibility

You may enroll in the supplemental group life insurance plan if you are enrolled in the Montana University System's Basic Life Insurance Plan.

Dependents Eligibility

Your eligible dependents are:

  1. your wife or husband, unless legally separated.
  2. your unmarried children ages 14 days to 19 years.
  3. unmarried children ages 19-25 who are full-time students and dependent upon your support.

Evidence of Insurability

For new employees and their dependents who enroll within 31 days of the date they are eligible, proof of good health is not required.  After 31 days, or if you later wish to increase coverage, you will be required to furnish evidence of insurability.  New dependents may be enrolled within 31 days of being acquired.

When Does Coverage Become Effective?

For employees who apply for coverage within the 31-day initial enrollment period, coverage is effective on the employee's first day of active work or the date the supplemental life enrollment card is received by the Campus Payroll/Personnel Office, whichever is later. Dependent coverage is effective the same day as employee coverage.

For employees and/or dependents applying for coverage or applying to increase coverage after the 31-day initial enrollment period, coverage will not be effective until the date of approval.

The term "children" means:

  1. your natural or legally adopted children.
  2. children living in your home of whom you or your spouse have legal custody or guardianship.

Your newborn children are automatically covered without an increase in cost if you already have a child covered under this plan. If you do not already have children covered under the plan, you may apply for coverage for a newborn when it is 14 days old.  Dependent coverage ends when your coverage ends or when dependents reach the limiting age.

Waiver of Premium

If you become totally disabled before age 60, your coverage will remain in force without payment of premium as long as you remain disabled. Continued insurance coverage is subject to the reductions and terminations shown in the plan contract.

Continuing Coverage

If you change employers, you may change your policy to a permanent form of nonterm individual life coverage within 31 days without evidence of good health.

Beneficiary Designation

List your beneficiary or beneficiaries on your enrollment form. If you later wish to change beneficiaries, contact the Campus Payroll/Personnel Office.

How to Enroll

To enroll, complete the enrollment card. The charts show rates for yourself and dependents.

Employee Premiums

Age
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
Under 30
$1.43
$2.85
$4.28
$5.70
$7.13
$8.55
$9.98
$11.40
30-34
$2.00
$4.00
$6.00
$8.00
$10.00
$12.00
$14.00
$16.00
35-39
$2.25
$4.50
$6.75
$9.00
$11.25
$13.50
$15.75
$18.00
40-44
$3.10
$6.20
$9.30
$12.40
$15.50
$18.60
$21.70
$24.80
45-49
$5.30
$10.60
$15.90
$21.20
$26.50
$31.80
$37.10
$42.40
50-54
$8.03
$16.05
$24.08
$32.10
$40.13
$48.15
$56.18
$62.20
55-59
$13.43
$26.85
$40.28
$53.70
$67.13
$80.55
$93.98
$107.40
60-64
$16.50
$33.00
$49.50
$66.00
$82.50
$99.00
$115.50
$132.00
65-69
$32.50
$65.00
$97.50
$130.00
$162.50
$195.00
$227.50
$260.00
over 70
$75.00
$150.00
$225.00
$300.00
$375.00
$450.00
$525.00
$600.00

Dependent Premiums

  Plan A Plan B Plan C Plan D
Spouse $2,500 $5,000 $10,000 $25,000
Children $1,250 $2,500 $5,000 $5,000
Monthly Premium $0.77 $1.54 $3.08 $7.71


For Further Information

If you have questions about the Montana University System Supplemental Life Insurance program, call The Standard Insurance at 1-800-628-8600 or the Campus Payroll/Personnel Office during normal business hours.

MedEx Travel Brochure

The Standard Insurance Company offers MedEx, a travel program that covers trips up to 90 days. The Montana University System has numerous employees and family members working/traveling abroad and we are often trying to coordinate services for them as they get sick or injured while they are away from home.  Standard Insurance Company (our life insurance carrier) was able to secure a policy with Medex Assist. The primary importance of this policy is that our health plan coverage does not allow coverage of transportation costs back to Montana or the United States should the member want to continue services closer to home.  The other reason addressing this lack of transportation coverage is of prime importance is that if our member stays (for health care purposes) in the country they have traveled to, they are often put on a long waiting list for services

The brochure link below is on our Choices web site (under the Additional Benefits link) and describes the services in more detail. http://mus.edu/choices/Medex_Travel_Assist.pdf

Excerpts from that document include the following: Please review the Medex Travel brochure for a complete description of the benefit/policy limits.

MedEx Travel Form

There may be times when you need to extend your stay in a foreign country, that is where the Medex Travel form comes in. The Standard Insurance Company will cover you over 90 days for $1.25 a month until you come back to the United States. Fill out the form and send it back to Benefits.The form link below is on our Choices web site (under the Additional Benefits link) http://mus.edu/choices/Medex Form for MUS.pdf