Welcome to the State of Minnesota Optional Benefits Site
2024 Open Enrollment and Guaranteed Issue Opportunity for Life, AD&D, and Long Term Disability Insurance
Enroll Online: October 26 - November 15, 2023
HOW TO ENROLL:
Elect Guaranteed Issue (GI) coverage for Life Insurance and Long Term Disability (LTD) on your employee Self Service site by November 15th. To elect Short Term Disability (STD), Optional Accidental Death & Dismemberment (AD&D), or to apply for 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.
Term Life
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. Health questions (evidence of insurability) will be required.
Optional AD&D
During the open enrollment period and anytime throughout the year, elect or increase coverage Guaranteed Issue by completing the Optional Application. Health questions (evidence of insurability) is never required for Optional AD&D.
Short Term Disability
During the open enrollment period, elect or increase coverage using the Optional Application. Health questions (evidence of insurability) will be required. Also, when enrolling outside of the open enrollment period, complete the Optional Application and health questions (evidence of insurability) will be required.
Long Term Disability
During the open enrollment period, elect or increase coverage Guaranteed Issue in self service. Health questions (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.
Life Insurance
AVAILABLE COVERAGES:
- Employee Optional Term Life*
- Spouse Term Life*
- Child Term Life
- Optional Accidental Death & Dismemberment (AD&D)
*Life amount includes a matching AD&D benefit
DOWNLOAD & PRINT
from the Links below
Plan Summary and Rate Grids:
Forms and Value Adds:
- Optional Application »
- Beneficiary Online Designations / Changes»
- Beneficiary Form»
- Evidence of Insurability Online Process»
- Lifestyle Benefits – Value Adds »
Certificates:
RESOURCES:
Disability Insurance
AVAILABLE COVERAGES:
Short Term Disability (STD)
Long Term Disability (LTD
DOWNLOAD & PRINT
from the Links below
Plan Summaries:
Forms:
Certificates:
RESOURCES:
QUESTIONS
CONTACT OCHS
651-665-3789
1-800-392-7295
ochs@ochsinc.com
Life and Accidental Death and Dismemberment Insurance products are issued by Minnesota Life Insurance Company or Securian Life Insurance Company, a New York authorized insurer. Minnesota Life is not an authorized New York insurer and does not do insurance business in New York. Both companies are headquartered in St. Paul, MN. Product availability and features may vary by state. Disability products are issued by The Hartford. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues. Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates. Minnesota Life Insurance Company and Securian Life Insurance Company are affiliates of Securian Financial Group, Inc.