Basic and Optional Life Insurance Changes and Enrollment

Information for new State Employees, Retirees, and Employees during the year about enrolling in or changing your Life Insurance coverage.

Basic and Optional Life Insurance

You must be enrolled in Basic Life Insurance in order to apply for Optional Life Insurance.

New State Employees
As a new state employee, you may enroll in Optional Life Insurance for a coverage amount of up to eight times your salary, without the need for any medical review.

Current Employee During the Year (Active State Employees only)
State employees actively at work may apply for the first time or apply to increase their coverage at any time during the year.  After you apply, you will receive instructions for completing a personal health application for the Hartford's review and approval.  The GIC will determine the effective date if The Hartford approves the application.

Current Employees with a Qualified Family Status Change
State employees actively at work who have a qualified family status change during the year may enroll in or increase their coverage without any medical review in an amount up to a coverage limit of four times their salary provided that the GIC receives proof within 31 days of the qualifying event.  Family status changes include the following events:

  • Marriage
  • Birth or adoption of a child
  • Divorce
  • Death of a spouse

Preparing for Retirement
Before retirement, you should review the amount of your Optional Life Insurance coverage and its cost to determine whether it will make economic sense for you to keep it or reduce your amount of coverage.  Talk with a financial advisor about other programs that might be more beneficial at retirement.  If you make no change to your optional life coverage at retirement, you will be responsible for the retiree optional life insurance premium, which can be substantial.  Optional Life Insurance rates significantly increase when you retire, and continue to increase based on your age.  See the Retiree Life Insurance Rates for details. 

Optional Life Insurance After Retirement
You may decrease but cannot increase your amount of life insurance after you retire.  If  you decrease coverage and then later want to increase up to the amount you carried at the time of retirement, you may do so only with proof of good health acceptable to The Hartford.

Optional Life Insurance Non-Smoker Benefit (Active Employees and Retired State Employees)
At initial enrollment or during annual enrollment, if you have been tobacco-free (have not smoked cigarettes, cigars or a pipe, used snuff, chewing tobacco or a nicotine delivery system) for at least the past 12 months, you are eligible for reduced Optional Life Insurance rates. You will be required to periodically re-certify your non-smoking status in order to qualify for the lower rates.  Changes is smoking status made during annual enrollment will become effective July 1, 2017.

Enrolling, Changing, Decreasing or Dropping Coverage
If you are an active employee and want to add, increase, decrease or drop optional life insurance at any time during the year, complete the GIC Insurance Enrollment and Change Form and give it your GIC Coordinator at your worksite. Retirees may decrease or drop coverage at any time by writing to the GIC.

Life Insurance and AD&D Questions?

Contact the GIC: 1.617.727.2310 ext. 1


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