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Spouse Term Life Insurance

Spouse Term Life Insurance provides the opportunity for individuals to purchase term life insurance protection for his or her spouse or partner. For more information, browse the summary plan description.


Coverage at hire or initial benefits eligibility

Upon hire, you are guaranteed coverage of $30,000 regardless of health status. If you wish to elect more than $30,000 coverage for his or her spouse, you must:

Increase coverage

After initial eligibility, you may increase coverage up to $30,000 within 31 days of a qualifying change in family or employment status without underwriting online via myHR. Coverage amounts greater than $30,000 require underwriting.

Changes during Open Enrollment require the submission of an EOI and approval by the sponsoring insurance company.


*Premium Rate per $1,000 of Coverage

**Please note that premiums are taken as an after-tax deduction from your paycheck

Age Rate
To age 30 $0.021
30 to 34 $0.026
35 to 39 $0.040
40 to 44 $0.049
45 to 49 $0.077
50 to 54 $0.117
55 to 59 $0.217
60 to 64 $0.288
65 to 69 $0.445
70 to 79 $0.712
Age 80 and over $0.712


Accessing the benefits enrollment platform

  1. Login to myHR (using your Net ID and Password)
  2. Select the “Benefits” tile in “myHR Self Service”
  3. Select “My Health Benefits Elections” (in the left-hand menu)
  4. Select “Get Started”