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Life Insurance

The Standard

Life insurance and Accidental Death and Dismemberment (AD&D) insurance help provide financial protection in the event of your death or that or a spouse or dependent. Through The Standard, Tulane University offers you a comprehensive life insurance program, including both employer paid plans and voluntary employee paid plans from which you can choose.

Faculty & Staff

  • Tulane provides a Basic Term Life Insurance policy in an amount equal to 1.5X your annual salary up to a maximum of $50,000 for you and a Basic Dependent Life Insurance policy in the amount of $2,000 for your spouse and each dependent child paid by Tulane.
  • You may also choose to purchase additional Supplemental Life and Accidental Death and Dismemberment (AD&D) Insurance for your self and your dependents.
  • Summary Plan Description and Certificate

TUMG Members

  • Tulane provides a Basic Term Life Insurance policy in an amount equal to 1.5X your annual salary up to a maximum of $50,000 for you and a Basic Dependent Life Insurance policy in the amount of $2,000 for your spouse and each dependent child paid by Tulane. TUMG memebers also receive an additional Basic Group Life policy through TUMG in the amount of $150,000.
  • You may also choose to purchase additional Supplemental Life and Accidental Death and Dismemberment (AD&D) Insurance for your self and your dependents.
  • Summary Plan Description and Certificate
Overview of Plans
 
TYPE OF COVERAGE BENEFIT SCHEDULE GUARANTEED ISSUE AMOUNT COST PAID BY

Basic Employee Life Insurance

 

 

TUMG Group Life

1.5 Annual Salary up to $50,000

 

 

$150,000

None

 

 

None

Tulane

 

 

Tulane

Supplemental Employee Life Insurance

 

 

TUMG Members Supplemental Employee Life Insurance

Your choice of 0.5X, 1X, 1.5X, 2X, 3X, 4X, 5X Annual Salary up to $1,000,000

 

TUMG enroll in increments of $50,000 to a max of $2,000,000

0.5X to 3X to a max of $500,000

 

 

 

$500,000

You

 

 

 

TUMG Member

Basic Spouse Life Insurance $2000 None Tulane

Supplemental Spouse Life Insurance

 

TUMG Supplemental Spouse Life Insurance

Multiples of $10,000 from $10,000 up to $150,000

 

Multiples of $50,000 from $50,000 to $1,000,000

$50,000

 

$100,000

You

 

TUMG Member

Basic Child Life Insurance $2,000 None Tulane

Supplemental Child Life Insurance

 

TUMG Supplemental Child Life Insurance

$10,000 or $20,000

 

 

$10,000

$10,000

 

 

None

You

 

 

TUMG Member

Employee Voluntary AD&D Insurance Multiples of $10,000 from $10,000 up to $500,000 None You
Dependent Voluntary AD&D Insurance (Dependents receive a percentage of your AD&D benefit)

Spouse Only: 60%

Child Only: 20%

Family Coverage:

Spouse-50%, Child 15%

None You
Tulane Death Benefit One Month's Gross Salary None Tulane
Business Travel Accident Insurance 5X Annual Salary up to $500,000   Tulane

Eligibility

  • A full-time employee scheduled to work with the university for no less than 7 months
  • A part-time employee working at least 50% of a full-time schedule and expected to work no less than 7 months

Medical History Statement

Unless you are within your first 30 days of employment or newly eligible status, you must complete a Medical History Statement with The Standard to be considered for new or increased coverage. Medical History Statements are also required for coverages above the Guaranteed Issue Amount.This includes Supplemental Employee Life over 3X your annual salary, Supplemental Spouse Life over $50,000 and Supplemental Child Life over $10,000. If you are not approved for the coverage your benefits will default to your prior approved enrollment status or prior guaranteed issues amount, according to the certificate of coverage. Medical History Statements are not needed for increases to AD&D. All Medical History Statements are completed electronically through the The Standard's website. Click here to submit statements.

What happens now?

Once you complete the Medical History Statement please consider the following about your current and new premiums amounts:

  • Once the statement is submitted to The Standard it can take up to ninety days for the approval/denial to be received by Tulane.
  • While the statement is being processed your current coverage/premium will show as "interim" status and the new coverage/premium will show as "suspended" status in Employee Self-Service. This means you will continue to pay the old rate until the approval is received on the new amount. If a denial is received, you will continue paying the old rate.

How to Enroll

To enroll, visit Employee Self-Service within 30 days of your new hire/newly eligible date:

  • Go to Employee Self-Service and login with your TU username and password
  • Make your benefits selections
  • Print your confirmation statement and keep for your records

Note: All benefits eligible employees are automatically enrolled into Basic Employee Life Insurance on date of hire/newly eligible date.

For more detailed instructions, CLICK HERE.

How to Update your Beneficiaries

A beneficiary receives financial benefits in the event of the insured's death. Beneficiaries can be primary or contingent (also called secondary).

  • A primary beneficiary is the first person you name to receive the proceeds from your insurance policy upon your death. You can designate 100% of the proceeds to one primary beneficiary or you can divide the proceeds among multiple primary beneficiaries.
  • A contingent (or secondary) beneficiary receives the proceeds from your insurance policy only if the primary beneficiary (or beneficiaries) are deceased or do not meet the criteria for the policy.

Note: You can designate numerous beneficiaries in our system just as long as the percentage do not exceed 100% in each category.

You can designate and/or update your beneficiaries at any time during the year. Any changes you make are effective immediately. This is also completed by logging into Employee Self-Service.

How to Submit a Life Insurance Claim

You will need to notify Office of Human Resources Benefits Team of the death and the beneficiary will be notified of life and retirement benefits. In addition, the beneficiary will need to submit a death certificate to begin the claim process. Please view Resources for claim forms.

Resources

Vendor Information

  • The Standard
  • Customer Service: 1-800-843-7979
  • Group Number:647381

Have questions about your plan?

Call the Tulane Benefits Service Center

Toll Free Phone:

1-844-810-4364

Email:

bsc.tulanebenefits@ajg.com

Monday-Friday

7:30am - 5:30pm CST