Optional Life Insurance

MN Life Insurance (Basic Term/AD & D & Optional AD & D)
1.866.881.0631

Basic Group Term Life Insurance

The State provides the first $20,000 in coverage at no cost. Employees who choose State-sponsored health insurance are eligible for higher coverage levels and they pay the premium costs for coverage over $20,000. The maximum benefit amount is $50,000. In addition, their eligible dependents (spouse and children) are covered for $3,000.

Basic Accidental Death and Dismemberment Insurance

The State provides the first $40,000 in coverage at no cost. Employees who chose State-sponsored health insurance are eligible for higher coverage levels and they pay the premium costs for coverage over $40,000. The maximum benefit amount is $100,000. In addition, their dependents (spouse and children) are eligible for basic accident insurance coverage, with the amount based on the employee's salary and family composition.

Optional Accidental Death and Dismemberment Insurance (OSA)

Employees can choose optional accident insurance coverage for themselves and their dependents (spouse and children). This is in addition to their basic accidental coverage. They pay the full premium for this coverage. Coverage amount is based on salary and the maximum benefit amount is $60,000 for employees. Coverage amounts for spouse and children are based on salary and family composition.

Optional Term Life Insurance

Minnesota Life (Optional Term Life)
1.866.881.0631
Minnesota Life Website: https://web1.lifebenefits.com/lbwcm/pd/tennessee

This program is available on a contributory basis for employees and dependents (spouse and children) whether or not they participate in health coverage. For guaranteed-issue coverage, the employee must enroll during the first full month of employment with the state. If optional life coverage is not elected at that time, an employee may only enroll during the annual enrollment transfer period by presenting evidence of insurability through a health questionnaire. Premiums are based on age and the amount of coverage requested.

Unum Group (Optional Universal – (CLOSED TO NEW ENROLLMENTS)
1.866.298.7636
Unum website