Increase in Coverage

Annual Enrollment

Existing employees may increase their Supplemental, Dependent or Supplemental Spouse Life insurance coverage during the annual enrollment season. An employee can increase their Supplemental coverage by $25,000 up to the maximum guarantee issue of $200,000 ($300,000 on or after July 1, 2023) without requiring evidence of insurability.

An employee can also request to increase their dependent life coverage without evidence of insurability during annual enrollment.  All amounts above $25,000 or amounts of total coverage above $200,000 ($300,000 on or after July 1, 2023) in Supplemental coverage or increase requests for Supplemental Spouse coverage will require evidence of insurability.

An increase to the supplemental life insurance coverage that requires evidence of insurability will not be effective until the later of the date the coverage is approved by the insurance carrier or January 1.

Other qualifying events

An employee who marries or at the time of a birth or adoption of a child, may apply for Supplemental, Dependent and Supplemental Spouse Life insurance coverage within 31 days from the date of marriage, birth or adoption. Certain changes in your or your spouse’s employment status (i.e. an increase or reduction in hours of employment) may also be considered a qualifying event to apply for coverage within 31 days of the event. Only benefit changes which are consistent with the change in family status are permitted. A Life Insurance Enrollment/Change SFN 53803 and Evidence of Insurability must be completed and dated during this time and submitted to NDPERS.

If the Employee supplemental Life is increased and being paid with pretax dollars, the premium amount deducted under the FlexComp Program will be increased automatically. The employee may only pre-tax coverage amounts up to $50,000 of Employee Supplemental Life. Coverage is effective the 1st of the month following the date the coverage was approved by the carrier.