Spouse and child dependent life insurance
You can elect term life insurance for your eligible spouse and dependent children. You may elect coverage:
- Within 30 calendar days of your eligibility or hire date.
- If you have a qualifying life event.
- During the annual open enrollment period.
Dependent coverage rules
- Coverage for a spouse or dependent may not be more than 100% of the employee's combined ASU basic life and supplemental life coverages.
- Coverage for dependents may not be more than 100% of the employee's combined ADOA basic life and supplemental life coverages.
- You are automatically the beneficiary of your dependent life insurance plan or plans.
ASU Dependent Life
After your initial 30-day enrollment period, due to a qualifying life event or during open enrollment:
- If enrolled, you may increase your coverage one level up to $25,000 without evidence of good health. You may increase additional levels or choose the $50,000 level for only your spouse with evidence of good health.
- If electing for the first time, after the initial 30-day enrollment period, all coverage levels require evidence of good health.
- Any person who is as an employee, retiree or insured under the portability provisions is not eligible as a dependent.
- Married faculty or staff members who both work for ASU may not elect ASU Spouse Life.
- Only one person can claim an eligible dependent child.
ADOA Dependent Life
After your initial 30-day enrollment period, due to a qualifying life event or during open enrollment, you may select any level of coverage.
Dependent life premium costs
ASU life spouse | ASU life child One premium provides coverage for all eligible children. |
ADOA Dependent Life | |||
Coverage amount —spouse | Rate per pay period | Coverage amount — each child | Rate per pay period | Coverage amount — spouse and each child | Rate per pay period |
$5,000 | $0.90 | $2,500 | $0.12 | $2,000 | $0.43 |
$15,000 | $2.70 | $7,500 | $.0.35 | $4,000 | $0.87 |
$25,000 | $4.50 | $12,500 | $0.58 | $6,000 | $1.30 |
$50,000 | $9.00 | $25,000 | $1.15 | $10,000 | $2.17 |
$12,000 | $2.60 | ||||
$15,000 | $3.25 | ||||
$50,000 | $10.85 |