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Campus Box 8107
Pocatello, ID 83209-8107
Phone (208) 282-2517
Fax (208) 282-4976

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Human Resources

Benefits: Insurance: Life Insurance

Accelerated Benefit
Basic Life Provisions
Beneficiary Information
Filing Claims
Life Insurance Policies
Proof of Good Health
Group Voluntary Term Life Insurance

Life Insurance Policies

For the financial protection of your family, the State offers a variety of life insurance plans:

Basic Life Provisions

If you die while enrolled, the plan will pay your full coverage amount to your beneficiary, (benefits are reduced for employees age 70 and older). Enrollment is automatic; however, you will need to designate beneficiaries. A Beneficiary Designation form can be picked up in Human Resources or printed at Forms.

Employee Basic Life Benefit, (paid to surviving beneficiary)

Dependent Life Benefit, (paid to surviving employee)

100% of annual salary (does not include overtime pay or bonuses). Minimum benefit: $20,000

Spouse, $2,000

Dependent children, $1,000 each

To determine the benefit, annual salary, (not including overtime pay or bonuses) is rounded up to the next $1,000 unless already a multiple of $1,000.

Accelerated Benefit

Terminally ill employees under age 70 may apply for an accelerated benefit. Under this benefit, employees may receive up to 50% of their Basic Life benefit amount while still living. The minimum benefit is $10,000, the maximum $100,000. The amount paid to beneficiaries will be reduced by the amount paid out as an accelerated benefit plus any associated interest charges.

Group Voluntary Term Life Insurance (Effective 1/1/2013)

If you elect Voluntary Term Life Insurance coverage, you may also elect additional coverage for eligible dependents including your spouse and children. Contact Human Resources at (208) 282-2517 or Email with questions regarding enrollment information. See also, monthly premiums.

Employee Coverage

Available in either 1, 2, or 3 times your annual salary.

Minimum: Greater of 100% of salary or $20,000
Maximum: Lesser of 300% of salary or $500,000

Spouse Coverage

Available in $10,000 increments

Minimum: $10,000
Maximum: 100% of employee coverage, not more than $50,000

Child Coverage

For eligible children 0 days (live birth) of age to age 26, you may elect coverage in the amount of $10,000.


You may continue coverage for yourself and your covered dependents until age 75 if you cease to qualify as a member. The employee or spouse must be less than age 75 and enroll within 60 days from the date they cease to qualify as a member.

Age Reductions

25% reduction of coverage at age 70, with an additional 25% reduction at age 75.

Coverage During Disability

If you become totally disabled before age 60, coverage will continue and the premium will be waived for you and your covered dependents. Must be totally disabled for 6 months before the waiver begins.

Accelerated Benefit

If you are terminally ill you can received up to 75%, not to exceed $250,000, of your life insurance benefits in a lump sum as long as:
*Your life expectancy is 12 months or less
*Your death benefit is at least $20,000

Coverage Outside of United States

Benefits will not be paid if you or your dependents are outside of the United States for certain reasons for more than six months.


More information and rates can be found at the Office of Group Insurance website


This is a group decreasing term life insurance policy offered only to PERSI members. For a brochure outlining benefits and premiums, click here . New hire PERSI members can enroll in this policy within the first 90 days of employment. If employees do not enroll within the first 90 days of employment, enrollment must be during an annual open enrollment period, typically conducted during the fall.

Beneficiary Information

*As residents of the State of Idaho, (a community property state), employees must have their spouse sign the beneficiary designation if someone other then the spouse is designated as the primary beneficiary.

Proof of Good Health

If you apply for Supplemental Life coverage more than 60 days after you start work, you will have to submit a Health Statement form to show proof of your good health. In some cases, the insurance company may require further evidence of insurability. Proof of good health will also be required if you ever drop Supplemental Life, but later want to re-enroll. Evidence of insurability is not required for Basic Life or for Idaho-NCPERS coverage.

Filing Claims

Claims for life insurance benefits should be submitted as soon as possible after the loss, but no later than 12 months from the date of loss. Claim forms are available in Human Resources, (208) 282-2517.