Tulane offers employer-paid Basic Life Insurance plus voluntary Supplemental Life and Accidental Death & Dismemberment (AD&D) options through The Standard. Highlights and coverage amounts are below; expand the drop-downs for eligibility notes and definitions. For questions, contact tubenefits@tulane.edu.
Basic Life Insurance (Employer-Paid)
- Coverage for eligible faculty, staff, and Tulane University Medical Group (TUMG) members: 1.5 × annual salary, up to $50,000.
- Automatic enrollment for eligible employees at no cost.
Supplemental Life & AD&D (Employee-Paid)
You may purchase additional coverage for yourself and your family.
| Benefit Type | Coverage Amount |
|---|---|
| Supplemental Employee Life Insurance | 0.5, 1, 1.5, 2, 3, 4, or 5 × annual salary up to $1,000,000 Guaranteed Issue (GI): 3 × annual salary up to $500,000 |
| Supplemental Spouse Life Insurance | Multiples of $10,000 from $10,000 up to $150,000 GI: $50,000 |
| Supplemental Child Life Insurance | $10,000 or $20,000 GI: $10,000 |
| Employee Supplemental AD&D Insurance | Multiples of $10,000 from $10,000 up to $500,000 |
| Dependent Supplemental AD&D Insurance (Dependents receive a percentage of your AD&D benefit) | Spouse Only: 60% | Child Only: 20% | Family: Spouse 50%, Child 15% |
TUMG Faculty Options
- Group Term Life: $150,000 (paid by TUMG).
- Supplemental Employee Life: increments of $50,000 up to $2,000,000 (GI: $500,000).
- Supplemental Spouse Life: increments of $50,000 up to $1,000,000 (GI: $100,000).
- Supplemental Child Life: $10,000.
Eligibility & Enrollment Notes
- Eligibility (employment status):
- Full-time employees scheduled to work at Tulane for at least 7 months.
- Part-time employees working at least 50% of a full-time schedule and expected to work for no less than 7 months.
- To purchase Supplemental Life for a spouse or child(ren), you must enroll yourself in Supplemental Employee Life.
- You pay 100% of the cost for supplemental coverage; age-related rates apply (see plan summaries).
- Evidence of Insurability (Statement of Health) is required if you elect over the GI amount.
- Age reductions may apply to life insurance amounts.
- AD&D may be elected independently; Supplemental Life is not required to purchase AD&D.
- If both spouses work for Tulane, you may not be covered under each other’s policy; dependents can be covered under only one policy.
- Both employees may list dependents as beneficiaries.
What Does Guaranteed Issue Mean?
Guaranteed Issue (GI) is the amount you can elect without providing Evidence of Insurability (Statement of Health). Elections during Initial Eligibility and Open Enrollment are approved up to the GI amount, unless previously denied by The Standard. Employees previously denied are not eligible to enroll or change their current election.
Medical History Statement (Evidence of Insurability)
If you are electing new coverage or increasing your current coverage after your initial 30 days of employment or eligibility, Evidence of Insurability (EOI) is required. The Medical History Statement is part of the EOI process. This applies to:
- Supplemental Employee Life coverage over 3 × your annual salary.
- Supplemental Spouse Life coverage over $50,000.
- Supplemental Child Life coverage over $10,000.
Exceptions: Medical History Statements are not required for increases in AD&D coverage.
How you will be contacted: If you choose coverage that requires EOI, you will receive an invitation to apply from The Standard (usually within a week of your election). The invitation will be sent to the email address provided by Tulane Benefits. If an email address is not available, the invitation will be sent to your mailing address on file with Tulane. The invitation will include a secure link and login instructions.
If your application is not approved, your benefits will default to your prior enrollment or the Guaranteed Issue amount, as outlined in the certificate of coverage.
What to Expect After Submitting EOI
- Processing time: Approval or denial may take up to 90 days.
- Coverage status during review:
- Current coverage and premiums will remain in interim status.
- New coverage and premiums will show as suspended in Employee Self-Service.
- Outcome:
- If approved, your new coverage and premiums will take effect.
- If denied, your current coverage and premiums will remain unchanged.
For assistance, contact tubenefits@tulane.edu.
Tulane provides a separate death benefit to all university employees equal to one month’s gross salary, payable to your designated beneficiary. Visit hr.tulane.edu for details.
