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Life Insurance | AD&D

Life Insurance | AD&D

  • Our vendor is Securian.
  • The State provides policies to all benefits-eligible employees as follows:
    • Basic Life - $15,000
    • Accidental Death and Dismemberment (AD&D) - $15,000.
  • You are able to purchase supplemental coverage for both plans, as well as dependent life insurance.
  • Rates - See the rates on p. 15 of the Active Employee Enrollment Guide.

  • What is it? Life Insurance is insurance that pays out a sum of money upon the death of the insured.
  • What do I have? $15,000 in Basic Life insurance is provided by the State to benefits-eligible employees.
  • Summary Plan Description
  • Certificate of Insurance

  • What is it? Accidental Death and Dismemberment (AD&D) is insurance that pays an additional benefit if you are seriously injured or die due to a covered accident.  
  • What do I have? The State provides $15,000 of AD&D insurance to benefit-eligible employees.
  • Summary Plan Description
  • Certificate of Insurance

Beneficiaries

  • Please see the tab below for full information.

  • Supplemental Life and AD&D is additional insurance that benefits-eligible employees are allowed to purchase in case of death or dismemberment.
  • This is a voluntary benefit.  You must select it at the time of initial enrollment or during Open Enrollment.
  • New Hires Note: At the time of new hire only, an employee can purchase coverage in multiples of $5,000, not to exceed the lesser of three times your annual earnings, to a maximum of $500,000.
  • Summary Plan Description
  • Certificate of Insurance

Portability and Conversion

  • You and/or your dependents may have the option to port or convert your life insurance coverage if you leave the State.
  • Elections must be made within 31 days from your last day of coverage.
  • Portability and Conversion Flyer
  • Contact Securian

  • The Dependent Life Insurance is life insurance coverage for your dependents.
  • It is a voluntary benefit - you must select it at the time of new hire enrollment or during Open Enrollment.
  • Available amounts:  $2,000, $4,000, $6,000, $10,000, $12,000, $15,000 or $50,000.
  • For dependent coverage up to $15,000, you do not have to choose supplemental coverage for yourself. 
  • For dependent coverage of $50,000, you must have a combined basic and supplemental coverage of at least $50,000.
  • One policy covers all your dependents, including your spouse.
  • Summary Plan Description
  • Certificate of Insurance

  • Automated tool to determine how much life insurance you need. | Benefits Scout Calculator
  • Learn your options - Take the guesswork out of selecting benefits. Learn about your options, what’s included and how they can help you.
  • Answer questions - It’s quick and easy. Based on your answers, we’ll provide a few recommended packages for amounts of insurance that make sense for you.
  • Get cost estimates - with recommendations designed for you and your family.

  • Who Can be a Beneficiary? You may name individuals or a trust as your beneficiary. 
  • Separate Beneficiaries - There are separate beneficiaries for your Basic Life and Supplemental Life coverage. For Dependent Life, the employee is the beneficiary. 
  • Keep Your Beneficiaries Up To Date - After any major life change, such as joining state service, marriage, divorce, birth/adoption of a child, or death of a spouse, be sure to review your beneficiaries.
    • For example, if an ex-spouse is still named as a beneficiary, the plan will pay out to that person if the beneficiary has not been updated.
  • Minor Child as a Beneficiary - There are special considerations when you name a minor child. Learn more.
  • Use Percentages - When naming multiple beneficiaries, please use whole numbers that add up to 100%.  Do not use dollar amounts.
  • To make beneficiary changes at any time, visit hrsystems.azdoa.gov > YES Portal > Bookmarks > Your Employee Services > Benefits > Beneficiary. 
    • If you enroll for life insurance for the first time during the annual Open Enrollment period, you must return to the Y.E.S. Portal after January 1 to designate your beneficiaries. 

  • This guide from Human Resources provides information on steps for your loved ones to take in the event you pass away while employed by the State.
  • It includes Nationwide Financial’s Personal Information Organizer to help gather your important legal, financial, medical, professional, and account information in one place.

There is no additional fee or enrollment for these lifestyle benefits resources. Just access them as you need them. You and your benefits-eligible dependents may access them, even if they are not insured with Securian.
Learn more on lifebenefits.com/plandesign/Arizona> Forms & Documents Tab

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