Life Insurance Plans
Tufts University offers the following plans through Prudential Insurance Company of America:
- Life Insurance
- Accidental Death and Dismemberment Insurance (AD&D)
You are eligible to enroll in one of these plans if you are a benefit-eligible faculty or staff member.
International employees eligible for Cigna Global Benefits are also eligible for basic life insurance coverage through Cigna. Details of coverage are available in the Life Insurance and Accidental Death and Dismemberment Insurance (PDF)
You also have the option to enroll in the following domestic benefits provided by Prudential:
- Supplemental Life Insurance
- Dependent Life Insurance
- Accidental Death and Dismemberment
Insurance Types and Rates
Tufts University pays for Basic Life Insurance for all benefits-eligible employees.
The amount of coverage is equal to one times your basic annual earnings, rounded to the next highest $1,000, with a maximum of $1,000,000.
The Supplemental Life Insurance program offers you the opportunity to buy additional life insurance coverage of up to five times your annual base salary, up to a maximum benefit of $2,000,000.
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 Prudential.
In addition to coverage for yourself, you can also enroll in Life Insurance for your eligible family members, including:
- Your legal spouse or domestic partner
- Unmarried dependent children who are at least 15 days old, but under 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 qualified 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 Prudential.
Please note that the amount of your dependent coverage for a spouse or qualified domestic partner cannot exceed the combined total of your Basic and Supplemental Life coverage as an employee.
Example: If your base annual salary is $40,000 and you only have Basic Life Insurance (which is one times your salary), you cannot enroll in the $50,000 benefit for your spouse, unless you also enroll in one times your salary for Supplemental Life.
This benefit covers 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 basic annual earnings, rounded to the next $1,000. The maximum allowed benefit is $1,000,000.
You may be required to provide health information as part of “Evidence of Insurability” to Prudential Insurance Company 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 event.
EOI is always required if:
- You are applying as a new hire for Supplemental Life Insurance and the amount elected exceeds the "Guaranteed Issue Level".
- You are applying during open enrollment for Supplemental Life, LTD, or Dependent Life Insurance for your Spouse or Domestic Partner.
- You are applying within 31 days of a qualifying event for Supplemental Life Insurance and the amount exceeds the “Guaranteed Issue Level.
- You want to apply within 31 days of a qualifying event for Dependent Life Insurance for your Spouse/Domestic Partner or for LTD.
EOI is not required for AD&D Insurance or Dependent Life Insurance for children in any instance.
Prudential will contact you directly for any required supplemental information.
- If Prudential approves your Open Enrollment request, the new or updated policy will go into effect on January 1 of the following year.
- If your coverage request is not approved before January 1, the new or updated policy will go into effect on the day Prudential approves your application.
- For new employees or changes related to a qualifying life event, the new or updated policy will go into effect on the pay period following approval.
Additional Enrollment Information
New hires looking to apply for coverage greater than three times their annual base salary or $750,000, whichever is the lesser amount, may apply by electing the option in eServe and will then by contacted by Prudential for approval. Once approval is sent to Tufts Support Services, we will start your payroll deductions retroactive to your hire date.
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 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.