Eligible Groups


Spouses/domestic partners and dependent children under age 26 are also eligible. Coverage for dependent children begins at live birth and ends at age 26.

Basic Term Life Coverage*

1 times your annual salary up to $50,000

Supplemental Term Life Coverage Options*

Elect $10,000 up to $600,00 for yourself (but not more than 7x annual salary) You may also elect up to $100,000 for your spouse/domestic partner and $5,000 or $10,000 for your dependent child(ren).

Rates Table by Age

Coverage ends

When your employment ends or when you are no longer in an eligible unit. The policy includes options to continue coverage on an individual basis when coverage as an active employee ends. See the certificate of coverage for details.

Guarantee issue During Initial Eligibility period

(first 60 days as newly hired employee or transfer into an eligible unit)

Employee may elect up to $250,000 employee coverage; up to $20,000 spouse/domestic partner coverage and $10,000 dependent child rider coverage without providing evidence of insurability (EOI)

Guarantee Issue during Annual Enrollment

Employees who are currently enrolled may elect to increase coverage by one increment ($10,000) if enrolled for less than $600,000 during annual enrollment without providing EOI. Employees who are not currently enrolled in Supplemental coverage must complete EOI for a new election.


If currently enrolled with spouse/domestic partner life coverage, employees may increase spouse/domestic partner's coverage by one $5,000 increment without EOI.


If not currently enrolled with spouse/domestic partner life coverage, you must complete an EOI for spouse/domestic partner's coverage.


Dependent child(ren) are covered by a rider insuring all eligible children. This coverage does not require EOI.

  1. Both Basic and Supplemental Life benefits reduce when an employee reaches age 65 and again at age 70.  See the Plan certificate of coverage for details.
  2. EOI will not be waived (as described above) if you or your spouse/domestic partner previously submitted EOI that was not approved.  EOI is required for reinstatement of coverage.
  3. When a disabled child nears age 26, the Standard must receive an application for disabled child coverage within 31 days following the child’s 26th birthday.  If The Standard approves the request, the child can remain on the policy as an overage disabled dependent, as long as the child continues to meet the eligibility criteria of a disabled child.