Spouse-Domestic Partner Life
All PEBB-eligible employees may enroll for Optional Life Insurance coverage for their spouse or Domestic Partner.
- You must have an Oregon Certified Domestic Partnership filed with the state or a Domestic Partner Affidavit on file with PEBB or your partner won't be legally recognized as a beneficiary.
- Link to plan documents, certificates of coverage and forms on the Standard Insurance Company website.
Note: This 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.
Premium Rates
You must self-pay for this coverage. The state doesn't provide a benefit amount for Optional Spouse-Domestic Partner 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 products in the 12 months prior to enrollment.
- The premium rate increases when the age of your spouse or Domestic Partner moves them into a new tier. The tier rate increase goes into effect on January 1, of the year following a covered individual's birthday.
Rate Charts:
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.
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.
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 won't have to give a Medical History Statement, and the insurance carrier can't deny the coverage.
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 life event, also called a Qualified Status Change (QSC).
- Some coverage amounts may require approval of a Medical History Statement by The Standard.
Medical History Statement
Enrolling or adding coverage during Open Enrollment requires insurance-carrier review of your spouse or Domestic Partner's medical history. To enroll for certain levels of coverage, you may have to submit a Medical History Statement to The Standard. The carrier will base approval or denial of the coverage request based on review of your medical history.
The Standard 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.
Submit your form online or download and print the form:
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.