Life Insurance

The State offers a basic life insurance in which you are automatically enrolled at the time you become a benefits-eligible employee of Minnesota state government. We also offer the following additional life insurance which you may purchase through SEGIP on an optional basis.

• Employee Basic Life Insurance
• Manager's Life
• Additional Employee Life
• Spouse Life
• Child Life

Basic Life

The State pays the full cost of basic group term life insurance for benefits-eligible employees who receive at least a partial employer contribution for health/dental coverage. The amount of this insurance is determined by the collective bargaining agreement or plan that covers your job, and is based on the amount of your annual salary.

How much Basic Life Insurance do I have?

This amount is determined by the bargaining agreement or plan that covers your job, and is based on the amount of your annual salary. Go to the Employee Self Service site for your information: https://www.state.mn.us/employee.

Who is my beneficiary?

Go to the Employee Self Service site https://www.state.mn.us/employee.

How do I change my beneficiary?

Go to the Employee Self Service site https://www.state.mn.us/employee. Once you have signed in. In the right column, click on "Benefits" then "Benefits Summary". Click on "Basic Life" and you will see a box titled "Beneficiary" containing a link to the "Beneficiary Designation" form.

Manager's Life

If you are a manager, the State offers an employer paid life insurance benefit equal to 11/2 or 2 times your annual salary. Check your collective bargaining agreement or plan to determine the amount of your state-paid life insurance and your eligibility for employer-paid coverage.

Additional Life Insurance for Yourself and Your Spouse

You may purchase additional life insurance for yourself and your spouse. Generally you may purchase this insurance in increments of $5,000 up to a total of $500,000. The amount of coverage you may purchase may vary by collective bargaining agreements and plans.

Child Life Insurance

You may purchase life insurance providing $10,000 of coverage for your insurance-eligible children or grandchildren. One child life insurance policy covers all of your dependent children.

Coverage for newborns begins on the 15th day after birth. Child life insurance without evidence of good health, may be purchased within 30 days of the birth of a child or the placement of a child for adoption.