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Spouse or Domestic Partner Life Insurance
Summary Information Only
 
 
This Web page presents summary information only. Any error or omission here is unintentional and will be resolved in favor of plan documents or applicable federal or state law or rule.


 
Eligibility & Effective Dates
 
Eligibility
 
All PEBB-eligible employees may enroll in life insurance coverage for their spouse or domestic partner. Some coverage amounts may require approval of a medical history statement by The Standard.
 
Effective Dates
 
If you enroll for $20,000 in coverage within 30 days of your hire date or date of eligibility, the coverage becomes effective the first of the following month.
 
If you enroll during Open Enrollment, the coverage becomes effective January 1 of the new plan year (after approval by the insurance carrier).
 
If you enroll outside of Open Enrollment, your coverage becomes effective the first of the month following approval by The Standard.
 

 
Description of Benefits
 
Description of Benefits
 
This is term life insurance. Term life insurance means that the insurance benefit is payable only if the insured person dies during a specified period. The beneficiary receives the benefit payment if the insured person dies while covered under the policy. In this case, that is while the employee who purchases the coverage is a PEBB-eligible state employee and premium payments for the coverage are current.
 
The Standard pays the benefit upon death from any cause, excluding suicide during the first two years of coverage. If the covered individual dies by suicide during the first two years of coverage, the insurance carrier will not pay the benefit but will refund the premiums paid during that period.  
 
This insurance does not accumulate any kind of cash value.
 
Coverage Limit
 
The coverage limit for spouse or domestic partner life insurance is $400,000.

Additional Coverage
 
You may enroll or increase spouse or domestic partner life insurance coverage (in $20,000 increments to the $400,000 coverage limit) during Open Enrollment or when you experience a qualified status change. Enrolling or adding coverage during Open Enrollment requires insurance-carrier review of your spouse's or domestic partner's medical history.


 ● The Standard's Medical History Statement (online)
 ● Optional Life Insurance Certificate
 ● More Information on Life Insurance
 ● The Standard Insurance Company Website 


 
Guarantee Issue
 
You may enroll in $20,000 of spouse or domestic partner life insurance coverage as guarantee issue within 30 days of your hire date or your initial eligibility. Guarantee issue means your spouse or domestic partner will not have to give a medical history, and the insurance carrier cannot deny the coverage.

 
Medical History Statement
 
If you want to enroll for certain levels of coverage, you may have to submit a medical history statement to the insurance carrier. The carrier will base approval or denial of the coverage request based on review of your medical history.
 
The carrier requires a medical history statement if you
  • Enroll for spouse or domestic partner life insurance coverage after 60 days from your date of eligibility
  • Request spouse or domestic partner coverage of more than $20,000 (if you are enrolling during your initial period of eligibility)
  • Want to increase your existing spouse or domestic partner coverage.
Your may download a medical history form, or you can provide the information to the carrier online.
 
NOTE: Applications for coverage of $100,000 or more may require physical and laboratory exams coordinated by the insurance carrier at the carrier's expense.

 
Premium Rates

 
You must self pay for this coverage. The state does not provide a benefit amount for optional employee life insurance coverage. 
  
This life insurance is tobacco rated annually. The life insurance premium rate is higher in the next Plan Year for covered individuals who have used tobacco tobacco products in the 12 months prior to enrollment. The premium rate increase when covered individuals' ages move them into a new tier. The tier rate increase goes into effect on January 1 of the year following a covered individual's birthday. 

 

Spouse/Domestic Partner Optional Life Insurance Monthly Premium Rates (Non-Tobacco)
Age >
Thru 24
25-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
75 & up
Rate Per $10,000 >
$0.40
$0.48
$0.62
$0.69
$0.75
$1.18
$1.74
$3.30
$5.13
$9.95
$16.30
$16.40
AMOUNT
 
 
 
 
 
 
 
 
 
 
 
 
$20,000
$0.80
$0.96
$1.24
$1.38
$1.50
$2.36
$3.48
$6.60
$10.26
$19.90
$32.60
$32.80
$40,000
$1.60
$1.92
$2.48
$2.76
$3.00
$4.72
$6.96
$13.20
$20.52
$39.80
$65.20
$65.60
$60,000
$2.40
$2.88
$3.72
$4.14
$4.50
$7.08
$10.44
$19.80
$30.78
$59.70
$97.80
$98.40
$80,000
$3.20
$3.84
$4.96
$5.52
$6.00
$9.44
$13.92
$26.40
$41.04
$79.60
$130.40
$131.20
$100,000
$4.00
$4.80
$6.20
$6.90
$7.50
$11.80
$17.40
$33.00
$51.30
$99.50
$163.00
$164.00
$120,000
$4.80
$5.76
$7.44
$8.28
$9.00
$14.16
$20.88
$39.60
$61.56
$119.40
$195.60
$196.80
$140,000
$5.60
$6.72
$8.68
$9.66
$10.50
$16.52
$24.36
$46.20
$71.82
$139.30
$228.20
$229.60
$160,000
$6.40
$7.68
$9.92
$11.04
$12.00
$18.88
$27.84
$52.80
$82.08
$159.20
$260.80
$262.40
$180,000
$7.20
$8.64
$11.16
$12.42
$13.50
$21.24
$31.32
$59.40
$92.34
$179.10
$293.40
$295.20
$200,000
$8.00
$9.60
$12.40
$13.80
$15.00
$23.60
$34.80
$66.00
$102.60
$199.00
$326.00
$328.00
$220,000
$8.80
$10.56
$13.64
$15.18
$16.50
$25.96
$38.28
$72.60
$112.86
$218.90
$358.60
$360.80
$240,000
$9.60
$11.52
$14.88
$16.56
$18.00
$28.32
$41.76
$79.20
$123.12
$238.80
$391.20
$393.60
$260,000
$10.40
$12.48
$16.12
$17.94
$19.50
$30.68
$45.24
$85.80
$133.38
$258.70
$423.80
$426.40
$280,000
$11.20
$13.44
$17.36
$19.32
$21.00
$33.04
$48.72
$92.40
$143.64
$278.60
$456.40
$459.20
$300,000
$12.00
$14.40
$18.60
$20.70
$22.50
$35.40
$52.20
$99.00
$153.90
$298.50
$489.00
$492.00
$320,000
$12.80
$15.36
$19.84
$22.08
$24.00
$37.76
$55.68
$105.60
$164.16
$318.40
$521.60
$524.80
$340,000
$13.60
$16.32
$21.08
$23.46
$25.50
$40.12
$59.16
$112.20
$174.42
$338.30
$554.20
$557.60
$360,000
$14.40
$17.28
$22.32
$24.84
$27.00
$42.48
$62.64
$118.80
$184.68
$358.20
$586.80
$590.40
$380,000
$15.20
$18.24
$23.56
$26.22
$28.50
$44.84
$66.12
$125.40
$194.94
$378.10
$619.40
$623.20
$400,000
$16.00
$19.20
$24.80
$27.60
$30.00
$47.20
$69.60
$132.00
$205.20
$398.00
$652.00
$656.00
 
Spouse/Domestic Partner Optional Life Insurance Monthly Premium Rates (Tobacco)
Age >
Thru 24
25-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
75 & up
Rate Per $10,000 >
$0.64
$0.74
$0.96
$1.06
$1.16
$1.78
$2.62
$4.80
$7.40
$13.90
$22.00
$21.50
AMOUNT
 
 
 
 
 
 
 
 
 
 
 
 
$20,000
$1.28
$1.48
$1.92
$2.12
$2.32
$3.56
$5.24
$9.60
$14.80
$27.80
$44.00
$43.00
$40,000
$2.56
$2.96
$3.84
$4.24
$4.64
$7.12
$10.48
$19.20
$29.60
$55.60
$88.00
$86.00
$60,000
$3.84
$4.44
$5.76
$6.36
$6.96
$10.68
$15.72
$28.80
$44.40
$83.40
$132.00
$129.00
$80,000
$5.12
$5.92
$7.68
$8.48
$9.28
$14.24
$20.96
$38.40
$59.20
$111.20
$176.00
$172.00
$100,000
$6.40
$7.40
$9.60
$10.60
$11.60
$17.80
$26.20
$48.00
$74.00
$139.00
$220.00
$215.00
$120,000
$7.68
$8.88
$11.52
$12.72
$13.92
$21.36
$31.44
$57.60
$88.80
$166.80
$264.00
$258.00
$140,000
$8.96
$10.36
$13.44
$14.84
$16.24
$24.92
$36.68
$67.20
$103.60
$194.60
$308.00
$301.00
$160,000
$10.24
$11.84
$15.36
$16.96
$18.56
$28.48
$41.92
$76.80
$118.40
$222.40
$352.00
$344.00
$180,000
$11.52
$13.32
$17.28
$19.08
$20.88
$32.04
$47.16
$86.40
$133.20
$250.20
$396.00
$387.00
$200,000
$12.80
$14.80
$19.20
$21.20
$23.20
$35.60
$52.40
$96.00
$148.00
$278.00
$440.00
$430.00
$220,000
$14.08
$16.28
$21.12
$23.32
$25.52
$39.16
$57.64
$105.60
$162.80
$305.80
$484.00
$473.00
$240,000
$15.36
$17.76
$23.04
$25.44
$27.84
$42.72
$62.88
$115.20
$177.60
$333.60
$528.00
$516.00
$260,000
$16.64
$19.24
$24.96
$27.56
$30.16
$46.28
$68.12
$124.80
$192.40
$361.40
$572.00
$559.00
$280,000
$17.92
$20.72
$26.88
$29.68
$32.48
$49.84
$73.36
$134.40
$207.20
$389.20
$616.00
$602.00
$300,000
$19.20
$22.20
$28.80
$31.80
$34.80
$53.40
$78.60
$144.00
$222.00
$417.00
$660.00
$645.00
$320,000
$20.48
$23.68
$30.72
$33.92
$37.12
$56.96
$83.84
$153.60
$236.80
$444.80
$704.00
$688.00
$340,000
$21.76
$25.16
$32.64
$36.04
$39.44
$60.52
$89.08
$163.20
$251.60
$472.60
$748.00
$731.00
$360,000
$23.04
$26.64
$34.56
$38.16
$41.76
$64.08
$94.32
$172.80
$266.40
$500.40
$792.00
$774.00
$380,000
$24.32
$28.12
$36.48
$40.28
$44.08
$67.64
$99.56
$182.40
$281.20
$528.20
$836.00
$817.00
$400,000
$25.60
$29.60
$38.40
$42.40
$46.40
$71.20
$104.80
$192.00
$296.00
$556.00
$880.00
$860.00

 
Tax Treatment
 
Payroll deducts the premium for spouse or domestic partner life insurance from your pay post tax.


 
Beneficiaries
 
The employee is the beneficiary of this insurance.


 
Portability and Conversion
 
Portability
 
If you lose eligibility for this coverage, you may continue the coverage through portability. Portability rates are based on the employee rate you pay at the time you lose eligibility.

You must apply for portability directly to the insurance carrier within 60 days of the date your coverage ends.

Conversion
 
If you become disabled, you may convert this coverage to a whole life individual policy. A whole life policy provides coverage for the individual's whole lifetime (as long as premiums are current) rather than a specified term. You can apply for an individual policy of whole life insurance without submitting a medical history statement.
 
You must apply for conversion directly to the insurance carrier within 60 days of the date your coverage ends.


 
Premium Waiver on Disability
 
The insurance carrier may waive your premium payment and continue this coverage if you become totally disabled from all occupations before age 60. This waiver will end if
  • Your disability ends
  • You fail to provide ongoing proof that you are eligible for the waiver
  • You fail to cooperate with the insurance carrier
  • You convert your coverage.

 
Terminal Illness
 
If your spouse or domestic partner becomes terminally ill and is expected to live less than 12 months, you may elect a one-time, lump-sum benefit payment.


 
Contact The Standard
 
Contact The Standard Insurance Company at: 1-800-242-1888, or visit their web site.