CARRIER: Securian Financial, underwritten by Minnesota Life Insurance Company
*Life amount includes a matching AD&D benefit
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Plan Summary, Rate Grid, Value Adds:
During the open enrollment period, elect or increase Guaranteed Issue coverage amounts in self service. For amounts beyond the guaranteed issue limits, or when enrolling outside of the open enrollment period, complete the Optional Application. Proof of good health (evidence of insurability) will be required.
Short Term Disability
During the open enrollment period, or anytime during the year, enroll by completing the Optional Application. New coverage or increases in coverage with require proof of good health (evidence of insurability).
During the open enrollment period and anytime throughout the year, elect or increase coverage Guaranteed Issue by completing the Optional Application. Proof of good health (evidence of insurability) is never required for Optional AD&D.
Long Term Disability
During the open enrollment period, elect or increase coverage Guaranteed Issue in self service. Proof of good health (evidence of insurability) is never required, however, a 2 year pre-existing conditions clause will apply to increased benefit amounts. LTD elections or increases can only be made during the open enrollment period.
HOW TO ENROLL:
Elect Guaranteed Issue coverage for Life and LTD on your employee Self Service site by November 19th. To elect Optional Accidental Death and Dismemberment, or to apply for STD or employee and spouse Life Insurance coverage beyond the Guaranteed Issue limits, complete the Optional Application and submit it to Minnesota Management & Budget. If applicable, you will receive the Evidence of Insurability form in the mail, from the insurance company, with instructions.