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Basic Life and AD&D Insurance

Basic Life Insurance (employee only)

Kent State University provides term life insurance to all full-time employees through The Standard Insurance Company. The Basic Life and Accidental Death and Dismemberment (AD&D) is provided to all eligible full-time employees at NO COST to the employee. 

Basic Life and AD&D insurance is available at a level of three times the annual base salary up to a maximum of $225,000.  NOTE:  Any amount of employer-provided insurance over the amount of $50,000 is subject to a taxation as IMPUTED INCOME under Section 79 of the Internal Revenue Code.  For an example of imputed income, see the Quicklink below.   If you choose to refuse the employer-paid basic life insurance, you must complete and submit the Life Insurance Waiver form to: Kent State University, Benefits Office, Heer Hall, Kent, OH  44242.

Also, once an employee reaches the age of 65, reductions in the level of coverage begins (see chart below).

For more information on Basic Life Insurance or AD&D insurance, visit The Standard Insurance Company web site.


Percentage of insurance retained

65 – 69


70 – 74


75 +



Employees have the opportunity to name the beneficiary for university provided life insurance.  The beneficiary for the Travel Accident coverage is the same beneficiary named for the Basic Life and AD&D insurance.  Payment of any benefit will be made to the beneficiary of record as of the date of loss.  This beneficiary designation may be changed at any time.  If you would like to make changes to your beneficiaries, download and complete the life insurance Beneficiary Change Form and submit it to the Benefits Office located in Heer Hall - Kent Campus.  Beneficiary changes are not effective until received in the Benefits Office.

How to purchase additional Basic Life and AD&D Insurance:

Full-time employees with at least a nine-month assignment who are covered by the Basic Life and AD&D insurance program may also elect to purchase additional group term life insurance protection for themselves a legally married spouse or eligible, registered domestic partner (same or opposite gender) and/or dependent children. This coverage is available through The Standard Insurance Company. The premiums for this additional life insurance are paid through payroll deduction with after-tax dollars.

Employees may elect additional life for themselves in units of 1, 2 or 3 times their annual base pay, up to a maximum of $500,000.  If an employee elects coverage when first eligible, The Standard will guarantee issue of amounts up to $200,000. Any amounts elected in excess of $200,000 will be subject to medical evidence of insurability ( Medical History Questionnaire).

The monthly premiums and more information can be obtained by viewing the Booklet for The Standard Life Insurance.

Dependent Life Insurance for Spouse/Domestic Partner and Eligible Dependents

Employees may elect supplemental Dependent Life for their legally married spouse or eligible domestic partner in increments of $10,000, up to a maximum of $250,000, but not to exceed 100% of the amount of additional life the employee could elect.  If an employee elects Dependent Life insurance for their spouse/domestic partner when first eligible, The Standard will guarantee of amounts up to $20,000.  Any amounts elected in excess of $20,000 will be subject to medical evidence of insurability ( Medical History Questionnaire).

Also offered through The Standard, a coverage amount of $10,000 for each eligible dependent children is available for only $1 per month--no matter how many children you have.

Monthly premiums and more information regarding Dependent Life insurance and enrollment forms can be viewed in the Booklet for The Standard Life Insurance.


Visit our voluntary supplemental insurances by clicking on the links to the left.

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