Optional Term Life

  • Optional Term Life Insurance provides life insurance coverage up to four times your annual salary (maximum of $400,000). You pay a monthly premium for this coverage; premiums are based on your age and level of coverage. Optional Term Life Insurance is in addition to the Basic Term Life insurance coverage provided with enrollment in health coverage. This coverage is not available to family members.

    You are eligible to sign up for Optional Term Life Insurance at Election 1, 2, 3 or 4 while you are employed. For coverage at Election 1 or 2, sign up during your first 31 days of employment or within 31 days of a qualifying life event and you will not need to complete evidence of insurability (EOI). After these periods, Life EOI is required to enroll. Coverage at Election 3 or 4 always requires Life EOI.

    Your death must be reported to ERS to obtain the instructions and forms required to file a claim for benefits. The forms are sent to the designated beneficiary on file.

    Minnesota Life is the insurer for Optional Term Life Insurance.

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