Employee Group Life Insurance

  1. Basic Life / Dependent Life / AD&D Insurance
  2. Travel Accident Coverage
  3. Select Life / AD&D Insurance
  4. Voluntary Supplemental Life / AD&D Insurance

Basic Life Insurance

State of Alaska employees and eligible employees of participating Political Subdivisions are automatically enrolled in Basic Life, Basic Dependent Life, and Accidental Death & Dismemberment (AD&D). This group life plan is offered at no cost to the employee.

  • Eligibility

    Basic Life, Basic Dependent Life, and Accidental Death and Dismemberment (AD&D) coverage is provided free of charge to permanent and long-term nonpermanent full-time and part-time employees of the State of Alaska and eligible employees of participating political subdivisions.

  • Basic Life Insurance

    The amount of your benefit is determined by your bargaining unit. Current benefits are as follows:

    • $2,000 Basic Life
      • Marine Engineers' Beneficial Association (MEBA)
      • International Organization of Masters, Mates and Pilots (MMP)
      • Inlandboatman’s Union Representing the Unlicensed Marine Unit (IBU)
      • Teachers’ Education Association of Mt. Edgecumbe (TEAME)

    • $10,000 Basic Life
      • Alaska Correctional Officers Association (ACOA)
      • Alaska Public Employees Association/Supervisory Unit (APEA)
      • Alaska Vocational Technical Center Teachers’ Association (AVTCTA)
      • Public Safety Employees Association & Airport Security Officers (PSEA)
      • Confidential Employees Association (APEA)
      • General Government Bargaining Unit (ASEA)
      • Labor, Trades and Crafts Unit (LTC)
      • Partially Exempt and Exempt
  • Basic Dependent Life Insurance

    The Basic Life Insurance plan provides a lump sum payment in the event of the death of an eligible dependent. Coverage is as follows:

    Death of... Coverage
    Spouse $1,000
    Child - 14 days old, but less than 6 months old $100
    Child - 6 months old, but less than 2 years $200
    Child - 2 years old, but less than 3 years old $400
    Child - 3 years old, or older $500
  • Basic Accidental Death & Dismemberment (AD&D) Insurance

    In addition to Basic Life coverage, all employees automatically receive Basic AD&D benefits which are payable for losses that occur within 100 days of an accident and as a result of accidental bodily injury, independent of all other causes, for loss of life, or loss of both hands, both feet, sight of both eyes or any such combination. One-half of the full amount is payable if you lose one hand, one foot, or the sight of one eye.

    Loss of... Coverage
    Life $5,000
    Loss of a hand permanently severed at or above the wrist $2,500
    Loss of a foot permanently severed at or above the ankle $2,500
    Loss of sight in one eye $2,500
    Loss of any combination of hand, foot, and sight in one eye $5,000
  • Premiums

    Premiums are employer paid.

  • Coverage Begins

    Coverage begins on the 31st consecutive calendar day of employment. Leave without pay taken within the first 30 days of employment may postpone the coverage until you are in pay status for 30 consecutive days.

  • Coverage Ends

    The last day of the month in which:

    • Pay status ends; or
    • Employment terminates; or
    • Premium is paid
  • Continuation/Conversion

    Basic Life is convertible through MetLife.

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Travel Accident Coverage

All employees are automatically enrolled in Travel Accident Insurance at no cost to the employee, and are provided coverage while in authorized travel status on official state business.

  • Benefit Amount

    Travel Accident is a State paid group term accidental death insurance that provides coverage for employees who are on state business, in travel status on authorized State business. It pays $75,000, $100,000 or $200,000 (depending on bargaining unit) to your beneficiary if you die accidentally. Travel Accident has a traditional Accidental Death and Dismemberment (AD&D) component based on covered loses. Current benefit levels are as follows:

    • $75,000
      • Marine Engineers' Beneficial Association (MEBA)

    • $100,000
      • Labor, Trades and Crafts Unit (LTC)

    • $200,000
      • Alaska Correctional Officers Association (ACOA)
      • Alaska Public Employees Association/Supervisory Unit (APEA)
      • Alaska Vocational Technical Center Teachers' Association (AVTCTA)
      • Public Safety Employees Association & Airport Security Officers (PSEA)
      • Confidential Employees Association (APEA)
      • General Government Bargaining Unit (ASEA)
      • Labor, Trades and Crafts Unit (LTC)
      • Partially Exempt and Exempt
      • Boards and Commissions
  • Premiums

    State-funded. No cost to you.

  • Coverage Begins and Ends

    Starts at date of hire and ends on the last day of employment.

  • Continuation/Conversion

    None available.

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Select Life / AD&D Insurance

As an employee of the State of Alaska you may choose to enroll in Select Life and Accidental Death & Dismemberment (AD&D) Insurance. Enrollment may occur at time of hire (within 30 days), or during open enrollment. Select Life and AD&D will cover only you as the employee.

  • Benefit Amount
    • An amount equal to one times your basic annual earnings, rounded to the nearest $1,000.
    • Pays double the benefit amount if death is accidental.
    • Pays up to $100,000 for Supervisory and Confidential Unit employees and up to $60,000 for all others.

    Select Life coverage includes AD&D benefits which are payable for losses that occur within 100 days of an accident and because of accidental bodily injury, independent of all other causes, or for loss of life. Coverage is as follows:

    Loss of... % of Maximum Coverage Payable
    Life 100%
    Loss of a hand permanently severed at or above the wrist 50%
    Loss of a foot permanently severed at or above the ankle 50%
    Loss of sight in one eye 50%
    Loss of any combination of hand, foot, and sight in one eye 100%
  • Premiums
    • Post-tax
    • Based on age and wage when hired.
    • Updated with age and wage annually each January 1.
    2018 Select Life and AD&D Rates
    Age Rate Per $1,000 per month
    Under 30 $0.050
    30 – 39 $0.060
    40 – 44 $0.100
    45 – 49 $0.150
    50 – 54 $0.230
    55 – 59 $0.357
    60 – 64 $0.510
    65 – 69 $0.740
    70 – 74 $1.632
    75 & over $2.060
    Effective: Jan. 1 - Dec. 31, 2018
  • Coverage Begins

    Your coverage begins on the 31st day of work, assuming you have not taken leave without pay (LWOP). If there are breaks in coverage due to LWOP or if coverage is not elected within first 30 days, other effective dates may apply.

  • Coverage Ends

    The last day of the month in which:

    • Pay status ends; or
    • Employment terminates; or
    • Premium is paid
  • Continuation/Conversion

    Select Life is convertible. If you terminate from state employment after January 1, 2017, Met Life will contact you regarding coverability.

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Voluntary Supplemental Life / AD&D Insurance

In addition to Basic Life Insurance funded by the state and optional Select Life Insurance that you can choose to enroll in, there is also additional Supplemental Life Insurance that can provide additional benefits you may want to enroll in. Enrollment is optional, pays in a lump sum, and only covers the employee.

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