Life Insurance Plans

Tufts University pays for Basic Life Insurance for all benefits-eligible employees.

The amount of coverage is equal to one times your annual base salary*, rounded to the next highest $1,000, with a maximum of $1,000,000.

* Per the Unum policy, your Basic Life Insurance coverage amount will be reduced starting at age 70. Details are included in the Summary Plan Description.

The Supplemental Life Insurance program offers you the opportunity to apply for additional life insurance coverage of up to five times your annual base salary**, up to a maximum benefit of $2,000,000.

** Per the Unum policy, your Supplemental Life Insurance coverage amount will be reduced starting at age 70. Details are included in the Summary Plan Description.

Coverage up to three times your annual base salary to a maximum benefit of $750,000 is "guarantee issue" for new hires, which means that you can enroll in this benefit without providing health information to Unum.

The premium for this plan is based on your age at the end of each pay period. As a result, your deduction amount may change after your next birthday.

In addition to coverage for yourself, you can also apply for Life Insurance for your eligible family members, including:

• Your legal spouse or domestic partner
• Unmarried dependent children up to age 26
• Unmarried dependent children who are mentally or physically disabled, or who cannot support themselves due to a handicap

The amount of coverage available for a spouse or domestic partner is $25,000 or $50,000. The amount of coverage for dependent children is $10,000 per child.

The coverage above is "guarantee issue" for new hires, which means that you can enroll in this benefit without providing health information to Unum.

In the event you receive a claim payout, the payout you receive would not be taxable since these coverages are paid with after-tax payroll deductions.

This benefit covers accidental death and accidental loss of sight, life, speech, limb, and hearing. The AD&D program offers you the opportunity to choose coverage levels from one to five times your annual base salary***, rounded to the next $1,000. The maximum allowed benefit is $1,000,000. All coverage amounts are guarantee issue which means that you can enroll in this benefit without providing health information to Unum.

*** Per the Unum policy, your AD&D Insurance coverage amount will be reduced starting at age 70. Details are included in the Summary Plan Description.

You may be required to provide health information as part of “Evidence of Insurability” to Unum when you request to enroll in this benefit or increase your coverage. The need to provide EOI is dependent on the type of insurance coverage and whether you are a new hire event, it is open enrollment, or within 31 days of a qualifying life event.

EOI is always required if:

• You are applying as a new hire for Supplemental Life Insurance and the amount elected exceeds three times your annual base salary (up to a maximum of $750,000).
• You are newly applying or increasing your existing coverage during Open Enrollment for Supplemental Life or Dependent Life Insurance for your Spouse or Domestic Partner.
• You are applying within 31 days of a qualifying life event for Supplemental Life Insurance and the amount exceeds three times your annual base salary (up to a maximum of $750,000).
• You are applying or increasing your existing coverage within 31 days of a qualifying life event for Dependent Life Insurance for your Spouse/Domestic Partner. Unless the qualifying life event is marriage, EOI is required.

EOI is not required for AD&D Insurance or Dependent Life Insurance for children in any instance.

Unum will contact you directly for any required supplemental information related to EOI.

• If you increase coverage during Open Enrollment and your request is approved by Unum prior to January 1, then the new or updated policy will go into effect on January 1 of the following year.
• If your Open Enrollment coverage request is not approved before January 1, the new or updated policy will go into effect on the 1st of the month following approval by Unum.
• For new employees or changes related to a qualifying life events that require EOI, the new or updated policy will go into effect on the pay period following approval by Unum.

If enrolled in any voluntary life insurance and you meet the two conditions noted below, your life insurance will be extended if you are deemed to be *Totally Disabled. Premiums for your Basic Life, Supplemental Life and Dependent Life Insurance will be waived and coverage will continue at no cost to you as of the date Unum receives documentation proof as described on the Unum Life Insurance Plan Summary (PDF).

Condition Requirements:

1. You become Totally Disabled while you are a Covered Person
2. You are less than age 70 when your Total Disability starts.

*Total Disability Definition: You are “Totally Disabled” when, due to sickness, injury or both, you are not able to perform for wage or profit, the material and substantial duties of any job for which you are reasonably fitted by your education, training or experience.

If you are unable to work for medical reasons and do not have the LTD benefit elected, please fill out the Group Life Insurance Disability Benefit Form and return it to leaves@tufts.edu.