Human Resources

Life Insurance and Disability Benefits

Available Life Insurance & Disability Benefits

Basic Life Insurance

Group term life insurance is provided to all eligible full-time employees. Insurance benefits equal one times the base annual salary, not to exceed $50,000. Age reduction rules apply, please see policy for details.

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.

Long-term Disability

Long-term disability insurance is provided to all eligible full-time employees. 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.

The University provides basic life, AD&D, and long term disability coverage to all full-time eligible employees.

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.

Teachers’ Retirement System of Alabama (TRS) 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 $15,000 Term Life Insurance for full-time employees.

This coverage does not require employee premium contributions.