Supplemental Life Insurance
Supplemental Life Insurance is available for employee to purchase to enhance the ÐÓ°ÉÔ´´ Paid Basic Life Insurance. Employees may also enroll their spouse/FIP and/or child(ren).
All benefit-eligible employees are eligible to purchase supplemental life.
All benefit-eligible employees can enroll their spouse/FIP in supplemental life.
Employees can enroll child(ren) as long as they are under the age of 26. One enrollment covers all children in the household.
Employees cannot be covered twice as both an employee and as a spouse/FIP of another employee. Spouse/FIPs cannot be covered twice as both a spouse/FIP and as an employee.
This is the amount that can be elected without additional medical information. This level of coverage is automatically approved and starts immediately without additional paperwork.
Employee coverage
- If under 65: $200,000
- If over 65: $100,000
Spouse/FIP coverage
- If under 65: $50,000
- If over 65: $20,000
Children: $10,000
All dependent children in the household are covered under one election of $10,000.
There is no EOI required.
Employee coverage
- Coverage increase amounts: $50,000 increments
- Minimum coverage amount: $50,000
- Maximum coverage amount: $600,000
Spouse/FIP coverage
- Coverage increase amounts: $10,000 increments
- Minimum coverage amount: $10,000
- Maximum coverage amount: $150,000
Children
- Coverage increase amount: NA
- Minimum coverage amount: $10,000
- Maximum coverage amount: $10,000
Only one election is available: $10,000. This one election covers all children in the household under the age of 26.
When enrolling above the guaranteed issue, Evidence of Insurability (EOI) is required. Coverage will be granted up to the guaranteed issue based on age (or, coverage will be left at the current level if EOI has been approved for a higher amount in the past). Whe a successful EOI is completed, coverage will increase.
Bi-weekly rates are based on the amount of supplemental life selected and the age of the covered person as of July 1 each year. Check the current fiscal year rates in our Enrollment Guide or contact the benefits team at ua-benefits@alaska.edu.
- Every employee is on a 26 pay period (12 month) deduction schedule for their benefits
- Employees who work less than 26 pay periods in a fiscal year (9, 10, and 11-month employees) will accrue arrears on missed deductions during the time they are off-contract or otherwise experiencing leave without pay
- Any missed deductions will result in an arrears payment of 40% of the biweekly amount until the arrears balance is paid.
- More information on arrears can be found under our Medical page FAQ.
Viewing the Arrears Balance
Employees can view arrears balance at any time on by clicking on "Employee Dashboard" > "Arrears Balance."
If a life insurance claim needs to be filed, please contact the benefits team at ua-benefits@alaska.edu or (907) 450-8242.