State of Illinois Life Insurance
- Optional coverage under the State of Illinois Plan is also administered by Minnesota Life Insurance Company.
- You may apply for insurance for yourself in an amount up to eight times your annual salary with a maximum of $3,000,000 when combined with basic life coverage.
Note: New Employees may enroll for coverage up to 4 times their salary within 10 days of hire without providing proof of good health. Requests beyond this timeframe or amounts of five to eight times your salary will require proof of good health before the coverage request is approved. Evidence of insurability is required for increasing coverage.
- If elected within 10 days of initial employment or eligibility date, the effective
date will be the first day of active State employment or initial eligibility.
- If elected after the first 10 days of initial employment, the effective date
will be the date of the approval by Minnesota Life, subject to the Irrevocability Rule.
- You may apply for spouse/Civil Union Partner life insurance in the amount of $10,000. (The amount is $5,000 for spouses/Civil Union Partners of annuitants age 60 or over.)
- You may apply for child life insurance in the amount of $10,000 for each child/child of a Civil Union Partner.
- Enrollment for employee, spouse/Civil Union Partner, or child/child of your Civil Union Partner life insurance is guaranteed during the first 10 days of employment.
- After the new employee enrollment period, evidence of good health is required to increase your life insurance and to add coverage for your spouse/Civil Union Partner and/or children/children of your Civil Union Partner by completing an online Statement of Health.
- The effective date for newborn children or newly acquired dependents is the date of birth or acquisition, or the date of request for coverage, whichever is later.
- Employees must designate or change their beneficiaries through the Minnesota Life online form.
More information about plan details can be found on the CMS Life Insurance website and in the State of Illinois Employees Benefits Handbook.