The Prudential Insurance Company of America is the life and AD&D insurance carrier.

Employee: 1 to 10 times Employee's Base Annual Earnings (maximum benefit of $2,000,000) 
Spouse: $10,000 or increments of $25,000 up to $200,000 
Children: Increments of $5,000 up to $25,000 
For more information about coverage and rates please review the  plan brochure .

Employee: 1 to 10 times Employee's Base Annual Earnings (maximum benefit of $1,500,000) 
Dependent:
Spouse Only: 60% of employee's AD&D coverage if no children are covered under family coverage
Children Only: 25% per child of employee's AD&D coverage if no spouse is covered under family coverage
Spouse and Children: 50% for spouse and 20% per child of employee's AD&D coverage
For more information about coverage and rates please review the  plan brochure .

Employee: Yes, however you will need to provide an evidence of insurability and your application may be denied.
Spouse: Yes, however you will need to provide an evidence of insurability and your application may be denied.
Dependents: Yes, you can add previously unenrolled eligible children to your coverage in increments of $5,000 up to $25,000. Evidence of insurability is not required for children.

You will be able to increase your coverage in future years. However, you will then need to provide evidence of insurability and your application may be denied.

Yes, if you are not currently enrolled, you will have an opportunity to enroll for coverage between 1 and 10 times your base annual earnings. Benefit levels vary by type of insurance selected (individual or family) and the extent of injury. Evidence of insurability is not required.

Basic employer-paid life provides eligible employees with coverage in the amount equal to the employee's base annual earnings or $50,000, whichever is less.

Basic Employer-Paid Life:  
Coverage ends upon your retirement. You can convert the coverage to a private policy if you apply and pay the first premium payment to Prudential within 31 days after your MSU coverage ends. Conversion information and cost can be received by calling Prudential at 1-877-232-3555.
 
Optional Employee-Paid Life:  
If enrolled, coverage can be continued up to age 70 through MSU's group policy if premium payments are paid to MSU. After age 70, you have the option of converting your coverage and your dependent's coverage, if applicable. You must apply and pay the first premium payment to Prudential within 31 days after your MSU group policy ends. Conversion information and costs can be received by calling Prudential at 1-877-232-3555. Premiums will change once your coverage has been converted. 

Voluntary Accidental Death and Dismemberment (AD&D):  
Coverage will end on the date you retire. 

Travel Accident:  
Coverage will end on the date you retire.

Basic Employer-Paid Life:  
The effective date of your coverage begins upon your initial appointment date. If you are not actively at work the coverage will begin upon your return to work.

Optional Employee-Paid Life:  
If you are eligible and enroll during the first 30 days of employment or appointment to an eligible status, you may choose up to 3 times your base annual earnings (up to $500,000) without having to complete an evidence of insurability. If you choose more than 3 times your base annual earnings (or any level over $500,000), you must complete an evidence of insurability. If you are denied through this process, you will still be able to enroll in the guaranteed issue amount of 3 times your base annual earnings.

If you are applying for coverage after 30 days of becoming eligible, your next opportunity to enroll is during the annual Open Enrollment period. Enrollment under the plan will require evidence of insurability - no matter what level you select. 

Voluntary Accidental Death and Dismemberment (AD&D):  
Coverage will be effective the day that you enroll or the first day of active work, whichever is later. 

Travel Accident:  
Coverage is effective immediately and provides employees with coverage while on authorized university travel.