Group Life Insurance
Life Insurance Plan Options
SU offers the following Life Insurance Plan Options for you and your family members through MetLife:
- SU Sponsored Basic Life Insurance
- Supplemental Life Insurance
- Dependent Life Insurance - Spouse/Same-sex Domestic Partner Life Insurance
- Dependent Life Insurance - Child(ren)
- SU Sponsored Accidental Death and Dismemberment (AD&D) Insurance
Employees eligible for the Adjuncts United Benefits Plan receive SU Sponsored Basic Life insurance coverage in the amount of $10,000. At age 65, the basic coverage drops to $6,500. There is no cost to you for this coverage.
Supplemental Life Insurance - Employee:
Employees eligible for the Adjuncts United Benefits Plan may elect to purchase Voluntary Supplemental Life insurance coverage offered through Metlife. Premiums are paid through after-tax payroll deduction.
- Part-time faculty members may purchase additional coverage of $10,000, $20,000, $40,000, $60,000, $80,000, or $100,000.
- For any Supplemental Life coverage in excess of $20,000, a completed MetLife Statement of Health form must be mailed directly to MetLife. The coverage in excess of $20,000 will not go into effect until MetLife notifies Human Resources of their approval.
- Your Supplemental Life insurance premiums are automatically calculated and adjusted as necessary during the calendar year based on your actual age.
Employees eligible for the Adjuncts United Benefits Plan may elect to purchase Voluntary Dependent Life insurance coverage for your spouse/same-sex domestic partner offered through Metlife. Premiums are paid through after-tax payroll deduction.
- Coverage may be purchased for your spouse/same-sex domestic partner in an amount not to exceed your own combined Basic and Supplemental Life coverage.
- If you waive supplemental coverage for yourself but wish to purchase Spouse/Same-sex Domestic Partner coverage, that coverage is limited to an amount no greater than the Basic Life insurance coverage SU provides.
- Because Spouse/Same-sex Domestic Partner Life insurance cannot exceed your own life insurance coverage, if you request an increase in your own Supplemental Life insurance coverage and it is denied, it may affect any Dependent Life insurance elections.
- Coverage for your spouse/same-sex domestic partner may be elected in levels of $10,000 or $20,000 without providing a MetLife Statement of Health form. Coverage levels of $40,000, $60,000, $80,000 or $100,000 may also be elected, however a completed MetLife Statement of Health form must be mailed directly to MetLife. The coverage will not go into effect until MetLife notifies Human Resources of their approval.
- Your insurance premiums are automatically calculated and adjusted as necessary during the calendar year based on your spouse/same-sex domestic partner's actual age.
Employees eligible for the Adjuncts United Benefits Plan may elect to purchase Dependent Life insurance coverage offered through Metlife for your eligible dependent child(ren) in the amount of $10,000. Premiums are paid through after-tax payroll deduction.
- Coverage cannot exceed your own life insurance coverage.
- A MetLife Statement of Health form is not required to purchase this coverage.
- Eligible dependents can only be covered by one SU employee.
Employees eligible for the Adjuncts United Benefits Plan employees receive SU Sponsored Basic AD&D insurance coverage in the amount of $3,000 from the University at no cost. The plan provides benefits to you if you are dismembered as the result of an accident or to your family if you die in an accident.
Contributions for Voluntary Life Insurance Coverages
| Supplemental Life Employee Coverage | ||
| Age | Cost Per Thousand Per Month* | |
| Under age 25 | $ .07 | |
| 25 through 29 | $ .08 | |
| 30 through 34 | $ .11 | |
| 35 through 39 | $ .12 | |
| 40 through 44 | $ .16 | |
| 45 through 49 | $ .23 | |
| 50 through 54 | $ .36 | |
| 55 through 59 | $ .64 | |
| 60 through 64 | $ .97 | |
| 65 through 69 | $1.69 | |
| 70+ | $3.01 | |
| * Rates listed here are based on the 9-month academic calendar year. | ||
| Spouse/Same-sex Domestic Partner Coverage | ||
| Age | Cost Per Thousand Per Month* | |
| Under age 25 | $ .07 | |
| 25 through 29 | $ .08 | |
| 30 through 34 | $ .11 | |
| 35 through 39 | $ .12 | |
| 40 through 44 | $ .16 | |
| 45 through 49 | $ .20 | |
| 50 through 54 | $ .31 | |
| 55 through 59 | $ .57 | |
| 60 through 64 | $ .88 | |
| 65 through 69 | $1.69 | |
| 70+ | $3.01 | |
| * Rates listed here are based on the 9-month academic calendar year. | ||
| Dependent Child(ren) Coverage | ||
| Coverage Amount | Monthly Premium* | |
| $10,000 | $.73 | |
| * Rates listed here are based on the 9-month academic calendar year. | ||
Before you decide, consider the following:
- Do you have access to other life insurance?
- Will your personal savings provide an adequate cushion for your family's needs (college tuition, mortgage and other loan payments, living expenses, etc.) in the event of loss of income?
- Are you 65 years of age or older? The Basic Life insurance coverage SU provides is reduced at age 65 from $10,000 to $6,500. You may wish to supplement this coverage. In addition, Dependent Life insurance elections may be affected if they exceed the amount of your own coverage as a result of this Basic Life insurance reduction.
The Adjunct United benefit web pages summarize your Syracuse University benefit options. Every effort has been made to ensure this information is accurate. However, the programs are governed by legal documents and insurance contracts. If there is any difference between the information on these web pages and the official documents and contracts, the official documents and contracts will rule. Our benefits are governed by current laws and operated according to Internal Revenue Service (IRS) regulations. We will notify you if changes in plans are necessary to comply with the law or with IRS regulations.
Employees electing to participate in the SU benefit plans are bound by the terms of the governing Plan documents. If you have any questions regarding the plans, you may request a copy of the Plan document from the Plan Administrator by contacting the HR Service Center at the number indicated at the end of this page.
As is the case with all benefits offered by SU, (1) the Plan Administrator has the discretionary authority to interpret the terms of the Plan and such interpretation will be binding on all interested parties to the fullest extent permitted by law, and (2) the University reserves the right to modify or terminate the Plan at any time.
Helpful Links
- MetLife
- Interactive Online Statement of Health (Employee only)
- Statement of Health Form
- Travel Assistance Services
