Available Life Insurance & Disability Benefits
Accidental Death & Dismemberment
AD&D insurance provides additional financial protection for employees and their families in the event of death or dismemberment resulting from an accident.
The University provides this coverage to all full-time eligible employees.
Basic Life Insurance
Group term life insurance is provided to all eligible full-time employees at no cost. Insurance benefits equal one times the base annual salary, not to exceed $50,000. Age reduction rules apply, please see policy for details.
Employees may be given up to three days leave with pay due to the death of a member of the immediate family. Immediate family includes spouse, son or daughter, foster child, grandchild, parent, foster parent, grandparent, brother or sister, foster brother or sister, guardian, and ward. Also included are step-, half-, and in-law relationships.
Bereavement and funeral absences in excess of three days will be charged to accrued sick leave. Faculty and staff should notify the supervisor or department head as soon as possible to request leave.
Long-term disability insurance is provided to all eligible full-time employees at no cost. The plan provides insured employees with a monthly benefit equal to 60% of their covered monthly earnings, not to exceed a maximum monthly benefit of $10,000. Benefits are paid after 90 consecutive days of total disability.
Optional Group Insurance
During the first 30 days of employment, eligible employees may purchase additional personal, spouse, and/or dependent life insurance. After the first 30 days of employment, the purchase of additional personal life insurance is limited and could require proof of insurability.
The employee pays 100% of the premium.
TRS of Alabama Group Term Life Insurance
Active employees contributing to the Teachers’ Retirement System of Alabama and who have completed one year of service are covered under the system’s Pre-Retirement Death Benefit (PRDB) and Term Life Insurance (TLI) plan.
Active employees contributing to TRS of Alabama with less than one year of service have death benefits equal to the member’s salary at the time of death if the cause of death is job-related.
Pre-Retirement Death Benefit – one times annual salary plus a Term Life Insurance – $15,000.
Coverage does not require employee premium contributions.