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Transitioning to a new Life and Disability insurance administrator

Unum will be the administrator for the Life, Accidental Death and Dismemberment (AD&D) and Long Term Disability insurance plans beginning January 1, 2020.

The University regularly conducts a Request for Proposal (RFP) process to ensure that the fees, services, and offerings associated with current benefit plans are competitive. After an extensive RFP process, Unum was selected as the new vendor beginning in 2020.

The transition doesn’t impact covered benefits. That is, faculty, staff and/or retirees are not required to re-enroll and current coverage will carry over. However, because of the switch in vendors, there are a few opportunities to be aware of for the upcoming Annual Enrollment period for faculty and staff (October 14-25, 2019).


Life insurance

For more information on all of the life insurance plan options, visit the life insurance webpage.

Basic Life
During Annual Enrollment for the 2020 plan year, faculty and staff will have a one-time opportunity to enroll in or increase coverage in the Basic Life insurance plan without providing evidence of insurability. This opportunity is available to all faculty and staff. Evidence of insurability will be required if enrolling in or increasing coverage at a later date.

Newly benefit-eligible faculty and staff are not required to go through evidence of insurability as part of their first-time enrollment.

Additional Life
During Annual Enrollment for the 2020 plan year, faculty and staff will have a one-time opportunity to enroll in or increase coverage in Additional Life (this plan was called Supplemental Life in previous years), at 1x their annual base salary without evidence of insurability. Coverage is available at 1x, 2x or 3x annual base salary, to a maximum of $1,000,000. Evidence of insurability will be required if enrolling in 2x or 3x coverage during Annual Enrollment, or if enrolling or increasing coverage at a later date.

Newly benefit-eligible faculty and staff are not required to go through evidence of insurability as part of their first-time enrollment.

Dependent Life- Child
Effective January 1, 2020, there will no longer be an evidence of insurability requirement associated with the Dependent Life- Child insurance plans, up to $25,000 in coverage. Faculty and staff interested in increasing their coverage can do so as early as Annual Enrollment for the 2020 plan year.

Dependent Life- Spouse/Sponsored Adult Dependent
During Annual Enrollment for the 2020 plan year, faculty and staff will have a one-time opportunity to enroll in or increase coverage in Dependent Life-Spouse/Sponsored Adult Dependent, up to $20,000, without evidence of insurability. Coverage is available in increments of $10,000 up to a maximum of $50,000. Evidence of insurability will be required if enrolling or increasing coverage at a later date.

Newly benefit-eligible faculty and staff are not required to go through evidence of insurability, up to $20,000, as part of their first-time enrollment.

Beneficiaries
It is also a good idea to review and make sure all beneficiary information is up to date. Beneficiary information is available in myHR (myHR.umsystem.edu). Beneficiaries can be updated in myHR during the Annual Enrollment period. Outside of the Annual Enrollment period, update beneficiaries by completing the Beneficiary Designation Form for Active Employees (PDF, 40KB).


Disability insurance

Long Term Disability
During Annual Enrollment for the 2020 plan year, faculty and staff will have a one-time opportunity to enroll in or increase coverage in the Long Term Disability insurance plan without providing evidence of insurability. This opportunity is available to all faculty and staff. Evidence of insurability will be required if enrolling in or increasing coverage at a later date.

Newly benefit-eligible faculty and staff are not required to go through evidence of insurability as part of their first-time enrollment.

For more information on the Long Term Disability plan options, visit the Long Term Disability webpage.


Accidental Death and Dismemberment

Accidental Death and Dismemberment
There are no changes to the benefit coverage for the 2020 plan year.

For more information on the Accidental Death and Dismemberment insurance plan, visit the Accidental Death and Dismemberment webpage.

Reviewed 2019-10-01