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    Dependent Term Life Insurance

    Life insurance coverage available for eligible dependents. Dependent Term Life insurance pays you $5,000 in the event of your dependent's death and requires you to pay a monthly premium of $1.38. This amount covers all eligible dependents. A child may be enrolled in coverage under two parents eligible for the GBP (having so-called "double coverage"), but a member may not have coverage as both an employee and a dependent.

    Minnesota Life is the underwriter for Dependent Term Life Insurance.

  • Outline of the state of Texas 
  • How to Enroll

    Sign into your account and select Post Hire Change to make changes within 31 days of your hire or rehire. Otherwise, you may sign during a qualifying life event (within 31 days) or Annual Enrollment.  

    During Annual Enrollment, log in to your account and select Benefits Enrollment to make changes.

  • EOI Application Process
    Process to apply for evidence of insurability for optional life, dependent term life and disability insurance.
  • Claims

    • Accelerated Life Benefit

      Apply to receive lump sum payment if your dependent is diagnosed with terminal illness.

    • Conversion Privilege

      Your spouse may convert his or her Dependent Term Life Insurance policy to an individual life insurance policy. Not available to children.

    • Dependent AD&D Benefit

      Additional benefit if accidental death or dismemberment.

    • Policy Claim

      You must report a death to ERS to file a claim.

    • Viatical Settlement Option

      If your dependent is diagnosed with a terminal condition, you may enter into a Viatical Settlement  that pays a percentage of the benefit now.