Summary & Monthly Premium Rates
for Life, Accidental Death & Dismemberment Insurances

Summary of Coverage

Life insurance is available regardless of health issues, as long as the eligible employee applies for coverage during the first 60 days of initial insurance eligibility. For amounts above the "guarantee issue" limits, and for all life insurance requested after the initial 60-day window, eligible employees are required to provide evidence of insurability (EOI).

The University pays Basic Life Insurance and AD&D premiums at no cost to you. Other coverage options allow you to design the rest of your plan. Study the chart below to determine which parts of the program suit your needs.

Type of Term Insurance Amount of Insurance Monthly Cost
Basic Life and Accidental Death & Dismemberment Insurance for Eligible Employees

$25,000 Basic Life Insurance for death from any cause.

$5,000 Basic Accidental Death & Dismemberment Insurance.

WWU pays premiums of $4.08 per month.
Supplemental Life Insurance for Eligible Employees

This type of term insurance covers death from any cause. You may apply for additional amounts in $10,000 increments from $10,000 to $750,000.

Employees under age 60:

  • If you apply within 60 days of the date you become eligible for benefits, you may obtain up to $250,000 of coverage without evidence of insurability (EOI).
  • If you apply for coverage in excess of $250,000, you must provide EOI, or
  • If you apply after 60 days, you must provide EOI.

Employees age 60 or older:

  • If you apply within 60 days of the date you become eligible for benefits, you may obtain up to $100,000 of coverage without evidence of insurability (EOI).
  • If you apply for coverage in excess of $100,000, you must provide EOI, or
  • If you apply after 60 days, you must provide EOI.
See below.
Basic Life Insurance for Dependents

$2,500 Basic Life Insurance for spouse or Qualified Domestic Partner (QDP) for death from any cause.

$2,500 Basic Life Insurance for each eligible dependent child for death from any cause.

You pay $0.50 per family, regardless of the number of dependents.
Supplemental Spouse/QDP Life Insurance

This type of term insurance covers death from any cause. If you have enrolled your spouse or Qualified Domestic Partner in Basic Dependent Life Insurance, you may apply for additional amounts of this insurance in $5,000 increments up to one-half of the amount of Supplemental Life Insurance you obtain for yourself.

If you apply later than 60 days from the date you become eligible or no later than 60 days from your marriage or the effective date of your Washington State-registered domestic partnership, you may purchase up to $50,000 of coverage without providing ROI. After 60 days, or for coverage in excess of $50,000, you must provide evidence of your spouse's or QDP's insurability at your expense.

See below.
Supplemental Employee Accidental Death & Dismemberment Insurance

You may enroll in this type of term insurance in multiples of $25,000 (minimum) up to $250,000 (maximum) for covered accidental death or covered accidental dismemberment. Deaths and dismemberments from other causes are not covered under this type of insurance.

See below.
Supplemental Dependents' Accidental Death & Dismemberment Insurance

Selecting this type of term insurance in addition to your own allows:

  • Your spouse/QDP to be insured for 50% of your benefit as long as you have no dependent children.
  • Your spouse/QDP to be insured for 40% of your benefit and each dependent child to be insured for 5% of your benefit.
  • Each dependent child to be insured for 10% of your benefit as long as there is no spouse/QDP.

This dependent coverage will not reduce your coverage.

See below.

WWU Paid Life Insurance

WWU pays for $25,000 of life insurance on each eligible employee. If you go on leave or layoff status and wish to continue optional life insurance on yourself, you will be required to pay the WWU's contribution of Basic Life and AD&D insurance during that period.

Employee Monthly Rates effective 1/1/2012 - 12/31/2013

Spouse/Dependent Basic Insurance

An employee pays $0.50 per family per month, regardless of the number of dependents.

Employee/Spouse Supplemental Insurance

Your premium rate changes to the next higher rate as you reach each new age bracket.

Age

Cost per $1,000 per month

(Available in $10,000 increments)

Non-smoker Smoker
Under 25 $0.024 $0.031
25-29 0.026 0.037
30-34 0.029 0.049
35-39 0.036 0.056
40-44 0.054 0.063
45-49 0.078 0.095
50-54 0.122 0.145
55-59 0.228 0.270
60-64 0.350 0.411
65-69 0.646 0.792
70+ 0.964 1.287

Supplemental Accidental Death and Dismemberment (AD&D) Insurance

Employee AD&D benefit Monthly Cost to cover only yourself Monthly Cost
to cover you
& your dependents
Coverage your spouse/
QDP* would have:
Coverage your children would have:
With no children With children If you have a spouse/
QDP*
If you have no spouse/
QDP*
$ 25,000 $0.20 $0.30 $12,500 $10,000 $1,250 $2,500
50,000 0.40 0.60 25,000 20,000 2,500 5,000
75,000 0.60 0.90 37,500 30,000 3,750 7,500
100,000 0.80 1.20 50,000 40,000 5,000 10,000
125,000 1.00 1.50 62,500 50,000 6,250 12,500
150,000 1.20 1.80 75,000 60,000 7,500 15,000
175,000 1.40 2.10 87,500 70,000 8,750 17,500
200,000 1.60 2.40 100,000 80,000 10,000 20,000
225,000 1.80 2.70 112,500 90,000 11,250 22,500
250,000 2.00 3.00 125,000 100,000 12,500 25,000

*QDP = Qualified Domestic Partner


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Page Updated 09.27.2013