Spouse Life Insurance
You may enroll in Dependent Basic Life Insurance for $0.50 per pay period, which provides $10,000 of coverage for your spouse. The Basic Life insurance coverage amount reduces to 65% at age 67 and to 50% at age 70.
USU Life Insurance Certificate
Spouse Basic Life Insurance
You may enroll in Dependent Basic Life Insurance for $0.50 per pay period, which provides $10,000 of coverage for your spouse.
Spouse Supplemental Life Insurance
- You may enroll in supplemental life insurance for your spouse in increments of $10,000 to a maximum of $250,000.
- As a new employee, you may enroll in supplemental life insurance for your spouse, up to $20,000 without having to provide evidence of insurability. If you enroll in any amount over $20,000, evidence of insurability will be required.
- During open enrollment or after a life event, you may increase your life insurance amount. Evidence of insurability will be required.
- The Spouse Supplemental Life insurance coverage amount reduces to 65% at age 67 and to 50% at age 70.
- Please refer to the table below for premiums.
Additional Life Coverage Highlights
Additional Life Coverage Highlights - Spanish
Life Needs Flyer
Life Needs Flyer - Spanish
Evidence of Insurability
This process is used by insurance companies to determine an individual's eligibility for certain amounts of life insurance coverage. It involves providing medical information and may require completing a health questionnaire. This information helps the insurer to decide whether to approve the coverage.
Evidence of Insurability (EOI) is commonly required when:
- Applying for new coverage.
- Increasing existing coverage: When an individual wants to increase the amount of coverage beyond a guaranteed issue amount.
- Late enrollment: If an individual enrolls in coverage outside of the initial enrollment period.
Cost for Spouse Supplemental Life Insurance
| Age at the beginning of the plan year | Cost per $1,000 semi-monthly |
|---|---|
| <25 | $0.023 |
| 25-29 | $0.025 |
| 30-34 | $0.025 |
| 35-39 | $0.031 |
| 40-44 | $0.044 |
| 45-49 | $0.067 |
| 50-54 | $0.104 |
| 55-59 | $0.165 |
| 60-64 | $0.237 |
| 65-69 | $0.373 |
| 70-74 | $0.575 |
| 75+ | $0.927 |
Life Event (Special Enrollment period)
If you experience a qualifying life event, you, your spouse, and eligible children may enroll or make changes to your life insurance within 30 days of the effective date of the event. A life event is:
- Marriage
- Birth/Adoption
- Divorce
- Death
- Loss of Coverage
- Change in Employment Classification from part-time to full-time or from full-time to part-time
To make changes, contact the Human Resources office at (435) 797-0122.
Zurich Additional Accidental Death & Dismemberment (AD&D) Insurance
USU provides employees with life and AD&D insurance through The Standard. If you want to enroll in additional voluntary AD&D through Zurich, then you can fill out the paper application.
This election can only be made as a new hire and then every year during open enrollment. Coverage can be for employee only, employee and spouse/domestic partner, or employee plus spouse/domestic partner and children.
Each person can only be covered on one Zurich policy. You cannot cover any one person on more than one policy. For more information, please read the Zurich AD&D Summary.