Life insurance benefits through your employer can help offer you peace of mind, knowing your family members have financial support when you are no longer with them. Life insurance can provide for:
- Protection during your working years
- Unexpected loss of life and income
- Final and ongoing expenses
Group term life and accidental death and dismemberment insurance
If you are a full-time benefits-eligible member of the JHU faculty or staff, $10,000 of basic term life and accidental death and dismemberment insurance is provided to you at no cost.
You may purchase additional term life coverage for yourself, up to eight times your annual base salary, not to exceed a maximum of $3 million when combined with basic life insurance.
During Annual Enrollment, you may be eligible to increase your existing supplemental employee term life coverage without answering health questions.
You may increase your existing coverage by one time your salary, not to exceed a new total of four times your annual base salary or $500,000, without completing evidence of insurability.
Note: If you are not a new hire and you elect supplemental life insurance coverage for the first time, you must answer health questions.
You also may purchase term life coverage for your spouse/domestic partner and children to age 26.
The evidence of insurability application process is easier than you may think
You can apply for life insurance in just three easy steps:
- Enroll for coverage.
- Complete the questionnaire, which includes a few questions about your health history, along with height and weight.
- Receive a decision. Based on your answers, it will be determined whether anything further is needed to approve or decline the application. If your application is not approved, it will not affect any coverage you already have.
Further protection is available to protect your family from the financial impact of an accident, by purchasing accidental death and dismemberment insurance. Health questions are not asked when enrolling.
Evaluate your insurance needs
Visit the Benefit Scout website to learn more about your insurance options and costs, ask questions, and determine your needs.