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:
Employees age 60 or older:
|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.
|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.
|Supplemental Dependents' Accidental Death & Dismemberment Insurance||
Selecting this type of term insurance in addition to your own allows:
This dependent coverage will not reduce your coverage.
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.
Your premium rate changes to the next higher rate as you reach each new age bracket.
Cost per $1,000 per month
(Available in $10,000 increments)
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/
|If you have no spouse/
*QDP = Qualified Domestic Partner