The Dependent Plan is available for life insurance coverage of your spouse or other qualified adult and any eligible, unmarried children. You must be enrolled in the University Plan in order to enroll in the Dependent Plan. You, the university employee, are automatically the beneficiary for the Dependent Plan. No person may be insured as a dependent of more than one U-M employee.
Dependent Plan Coverage Options
For coverage of your spouse or other qualified adult:
- $10,000
- $25,000
- $50,000
- $100,000
For your dependent children (covers all children in the household age 15 days through the end of the month they turn age 26):
- $2,000 per child
- $5,000 per child
Enrollment
Enrollment is not automatic for the Dependent Plan. You must be enrolled in the University Plan for your dependents to be eligible for coverage under the Dependent Plan.
Enroll by completing the application form and returning it to SSC Benefits Transactions.
Your Spouse or Other Qualified Adult
Your spouse or other qualified adult can enroll in the Dependent Plan at any time. He or she will need to provide a satisfactory health statement. MetLife will send an email with instructions on how to complete the health statement. Coverage will go into effect when (1) the Dependent Plan application is received in the Benefits Office and (2) the health statement has been received and approved by MetLife.
Your Dependent Children
No health statement is required to enroll children in the Dependent Plan. Children may be enrolled in the Dependent Plan at any time. No person may be insured as a dependent of more than one employee.
Dependent Plan coverage for newborns will go into effect at age 15 days or when the Dependent Plan application is received, whichever is later. Coverage ends at the end of the month the child turns age 26. Cancellation is not automatic when your dependent turns the age of 26. You must complete a withdrawal form to cancel dependent life insurance. Cancellation is the first of the following month following receipt of withdrawal form.
To be eligible for coverage as dependent children under the Dependent Plan, the children must be unmarried and supported by you, that is, you must claim the children as dependents when filing taxes.
Dependent Plan Rates
If you are paid monthly, your premiums will be deducted from your monthly paycheck; if you are paid bi-weekly, your premiums will be deducted from your first and second paycheck of the month. Premiums are deducted on an after-tax basis.
| Covered Dependent | Coverage Amount | Cost Per Month |
|---|---|---|
| Spouse/OQA | $10,000 | $1.56 |
| Spouse/OQA | $25,000 | $3.90 |
| Spouse/OQA | $50,000 | $7.80 |
| Spouse/OQA | $100,000 | $15.60 |
| Children | $2,000 per child | $0.10 |
| Children | $5,000 per child | $0.26 |
The cost of coverage for children covers all eligible children in the household.
Beneficiary
You do not need to designate a beneficiary for the Dependent Plan. You are automatically the beneficiary as the university employee. If both you and your dependent(s) die, life insurance will be payable to your survivors/estate in the following order: spouse/OQA, children, parents, siblings, estate.
Continuation of Coverage
If your dependent has been enrolled in the Dependent Life Insurance plan, you have the option to convert life insurance for your dependent when coverage ends.
Terminating Coverage
You can terminate dependent coverage at any time. To do so, complete a withdrawal form.
Dependent Spouse/Other Qualified Adult Plan coverage terminates when the faculty or staff member retires, terminates employment with the university for any reason, or dies.
Dependent Spouse Plan coverage will terminate the date the faculty or staff member’s divorce is final.
Cancellation is not automatic when your dependent turns the age of 26. You must complete a withdrawal form to cancel dependent life insurance. Cancellation is the first of the following month following receipt of withdrawal form.
For Forms and More Information
Refer to the University Group Term Life Insurance Plans book complete information. Download, complete and submit the Dependent Life Insurance form to apply for coverage.