Group Life & Voluntary Supplemental Benefits (VSB)Open Enrollment for 2022

Open Enrollment for plan year 2022 starts Wednesday, November 3, 2021. Elections made during this open enrollment period will go into effect January 1, 2022.

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  1. Introduction to Voluntary Supplemental Benefits (VSB)
  2. Open Enrollment Information
  3. Learn About Your Life Insurance Options
  4. Learn About Your Voluntary Supplemental Benefit Options

Introduction to Group Life and Voluntary Supplemental Benefits

The State of Alaska Voluntary Supplemental Benefits (VSB) plan includes life insurance, critical illness, and long & short-term disability. The VSB plan is administered by MetLife and enrollment is managed by BenefitFocus.

Voluntary Supplemental Benefits offer you the opportunity to obtain additional benefits that best suit the needs of you and your family. Please take a moment to watch the video below to learn about all the options offered by the State of Alaska. Note: eligibility or benefits described in this video are subject to change. Please review the individual benefits for up to date information.

MP4 Download/View Video File [52MB]

Enrollment in any plan is optional – choose only the plans and coverage levels that meet your needs. Premiums are paid through payroll deductions and are subtracted from gross wages before taxes are deducted – an added advantage to the plan. Please note, some restrictions apply for life insurance premiums.

You can select from the following options:

  • Life Insurances
  • Accidental Death and Dismemberment Insurances
  • Disability Benefits (short-term and long-term)
  • Critical Illness

MetLife is here to support all your VSB needs. Learn about each benefit by visiting metlife.com/stateofalaska There you will find in depth plan information and helpful videos on each benefit. If you have questions about your VSB options or claims, please contact MetLife.

MetLife Customer Service Contacts
  • General: (800) 438-6388
  • Life Claims: (800) 638-6420
  • Disability Claims: (800) 300-4296

BenefitFocus offers benefits administration on a single platform, simplifying benefit enrollment for everyone. They also provide a mobile app for accessing your benefit information on the go. For enrollment assistance, please contact BenefitFocus.

BenefitFocus Contact Information

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Open Enrollment Information

You can change or enroll in your VSB options during an open enrollment period or within 30 days of a "qualified status change." Simply click the “Ready to Enroll in VSB? Click Here” button at the top of this page. Qualified Status changes include:

  • gaining or losing a dependent through birth, adoption, marriage, divorce, or death.
  • dependent is no longer eligible under the terms of the plan.
  • spouse terminating employment, beginning an extended period of layoff or leave without pay, or beginning new employment.
  • you or your spouse changing employment status from full-time to part-time or vice versa.

Note: your change in benefits must be consistent with the status change.
You may change your mind about any benefit choices as long as you re-enroll in your final choices before the enrollment deadline. Remember, each time you re-enroll, a new enrollment is processed. The previous enrollment will no longer exist. Make sure to re-select each of your elections.

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Learn About Your Group Life Insurance Options

Life insurance is a cost-effective way to protect your family and your finances. Should something unforeseen happen to you, it helps to ensure that short- and long-term financial obligations could be met. Be sure to visit our life insurance webpage for additional information on all the life insurance benefits available.

Group Life Insurance – Basic Life
Basic Life insurance is paid for by participating employers and not an option you need to elect. This insurance is automatically provided to permanent and long-term nonpermanent State of Alaska employees, and eligible employees of participating political subdivisions. Basic Life pays either $10,000 or $2,000, depending on your bargaining unit.
Basic Life insurance provides additional benefits to employees, such as, grief counseling, will preparation, and estate resolution services. Contact MetLife for additional information.

Select Life 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), during open enrollment, or when you have a qualifying status change. Select Life and AD&D will cover only you as the employee. Select Life insurance benefit amounts:
  • An amount equal to 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.

Voluntary Supplemental Life Insurance
In addition to Basic Life Insurance funded by the state and optional Select Life Insurance that you can choose to enroll in, you may also choose to enroll in additional Supplemental Life Insurance. Enrollment is optional, pays in a lump sum, and only covers the employee. Supplemental life insurance is available in the following volumes:
  • $10,000
  • $50,000
  • $100,000
  • $200,000
  • $300,000

Evidence of Insurability is required for $200,000 and $300,000.

Accidental Death and Dismemberment (AD&D) Insurance

Basic Accidental Death and Dismemberment (AD&D) and Travel Accident Insurance are paid for by your participating employer and are not options you need to elect. Travel Accident insurance covers State of Alaska employees while in travel status on State business. For more information on these benefits, contact MetLife.

Supplemental Accidental Death and Dismemberment (AD&D) can be added to your VSB package. If you enroll in AD&D you must enroll in a minimum of $10,000 of Supplemental Life Benefits. This plan pays benefits if your death or dismemberment is caused by an accident. It pays in a lump sum, with the benefit dependent on loss and family structure.

Read more about Life Insurance and AD&D here.

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Learn About Your Voluntary Supplemental Benefit Options

Voluntary Supplemental Benefits offers eligible employees with additional choices that could meet the needs of your family. Visit our webpage to learn more about eligibility and options for VSB.

Disability Benefits Insurance
Disability insurance offers an affordable way to protect your income when you are unable to work due to illness or injury. Accidents and injury can happen to anyone, and it can impact your ability to earn money.

Why is having Disability insurance important?
If you are unable to work due to illness or injury, disability insurance can help pay your most important expenses. These include mortgage or rent, car payments, food, childcare/tuition, and utilities.

Short Term Disability Insurance replaces a portion of your income during a disability which could last up to 180 days. Having disability protection can help you cover your essential living expenses and help safeguard your savings, since it replaces a portion of your income lost due to a disability or illness. Short-Term Disability (STD) provides a weekly benefit of 60% of your monthly base pay.

Long Term Disability Insurance replaces a portion of your income during a disability that is expected to last for an extended period of longer than 180 days. Long-Term Disability (LTD) is available in two levels, you can elect to have either 50% or 70% of your monthly base pay covered.

Read more about Disability Insurances here.

Critical Illness Insurance

Critical Illness Insurance provides financial support in the form of a payment if you or a covered family member is diagnosed with a serious illness. Critical Illness Insurance works to complement your medical coverage—and pays in addition to what your medical plan may or may not cover. Upon diagnosis, it provides you with a lump-sum payment of $15,000 or $30,000 in initial benefits. The payment you receive is yours to spend however you like.

While critical illnesses are always unexpected, they don’t have to be financially devastating. Protect your family’s budget by enrolling in Critical Illness Insurance.

Read more about Critical Illness Insurance here.