Basic Group Life Insurance

Life insurance pays a beneficiary upon your death.

Description of the Plan

The state provides basic group life insurance, with the cost shared between the employee and the state. The employee’s premium share is made via payroll deduction. The benefits of the basic group life insurance plan are based on your annual salary.

Employees who enroll in the basic plan may also be eligible to participate in a “supplemental” group life insurance plan, which provides benefits beyond those available through the basic group life plan. The cost of the supplemental group life insurance plan is paid entirely by the employee via payroll deduction.

For more information about both the basic and supplemental Group Life Insurance plans, see the Bargaining Employee Basic Group Life Plan Document or the Non-Bargaining Employees Extended Basic Group Life Plan Document.

Who’s Eligible

Permanent employees, whether classified or unclassified, full or part-time, may enroll in the basic life insurance plan upon completion of six months of continuous service. Employees not meeting the definition of Section 5-196(20) of the General Statutes of Connecticut, such as seasonal, temporary, intermittent or contractual employees, are ineligible for Group Life Insurance. Provisional employees may be eligible as provided by collective bargaining agreements. Eligibility to participate in the supplemental group life insurance requires participation in the basic group life insurance plan, a yearly gross compensation of $45,000 and either:

1. Coverage under a collective bargaining agreement which allows for supplemental life insurance coverage; or
2. Any employee exempt from collective bargaining.

Enrollment

When initially hired, or first eligible, you may request participation from your agency’s Human Resources/Payroll benefits office. They will either direct you to your Core-CT eBenefits portal or provide you with a personalized enrollment form. If you waive participation or fail to enroll within 31 days of hire you will be subject to evidence of insurability guidelines.