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Employee Life Insurance

MSU offers basic term, supplemental, dependent and retiree life insurance plans. To file your beneficiary information, download the Life Insurance Beneficiary Designation form.

LIFE INSURANCE AND AD&D (A)

$50,000 Basic Term Life Insurance plus $50,000 AD&D - paid completely by the University. Age reduction will apply on the policy anniversary following an insured employee's 70th, 75th, 80th, and 85th birthday. Refer to the Benefits Guide for more information.

SUPPLEMENTAL GROUP TERM LIFE INSURANCE

Employee coverage is available from 1 to 6 times the annual salary. No underwriting approval is required for increments of 1 to 3 times the annual salary, up to $350,000, if participation is elected upon initial employment. This insurance is convertible to a whole-life policy upon termination of employment at a cost to the individual terminating.

Supplemental life for spouses is available in increments of $10,000 up to 250,000, with a guaranteed issue amount for newly eligible spouses of $50,000.

Supplemental Life for children is available with a maximum of $10,000 or $15,000 up to age 26. One premium rate of $.13 per thousand per month covers all eligible children.

Please refer to the Benefits guide for rates and additional information.

Documents

Contact Payroll

310 Howell-McDowell
Morehead, KY 40351

EMAIL: payroll@moreheadstate.edu
PHONE: 606-783-2145
FAX: 606-783-5066