Supplemental Term Life Insurance
  • Overview
  • Tell Me More
  • FAQs
  • Forms
  • Contacts

Supplemental Term Life Insurance

As an employee of Duke, you have access to a Supplemental Life Insurance program that lets you protect your priorities and prepare for the future. Regardless of your age, life insurance should be an important part of your financial plan. As a rule of thumb, financial experts recommend five to eight times your annual income in life protection. MetLife Privacy Notice

What is Supplemental Life insurance?

Your Supplemental Life program provides life insurance protection for you and your family, as well as your financial goals with flexible permanent coverage, group rates, and many other additional benefits.

Flexible coverage amounts

Employee Coverage: 1 to 8 times your annual pay (not to exceed $2,500,000)

Spouse*: $10,000 increments up to $100,000

Child Coverage: $10,000 for each eligible child

Cost and convenience
Since you are applying for coverage through your employer’s benefit program, you have access to affordable group rates. The rates may be lower than what you could find for an individual policy. Along with affordable rates, you have the convenience of payroll deduction. Monthly payments are automatically taken from your paycheck on a post-tax basis.

*This means legal spouse. In addition, it refers to an employee’s registered same-sex spousal equivalent providing the employee was hired prior to January 1, 2016 and registered his/her partner in Duke HR prior to January 1, 2016. This employee’s registered partner is grandfathered under Duke’s Same-Sex Spousal Equivalent Policy and is included in the meaning of “spouse” for the purpose of this benefit program wherever permissible under federal and state law. The grandfather status continues for the course of this relationship only.

Answers about the plan, including eligibility, options, enrollment, customer service and more.

Fill out the online enrollment form. Once your enrollment form has been received, it will be reviewed and you will be notified by mail if your coverage is approved and when it will begin.

You
If you enroll within 60 days of your eligibility date:

  • No medical evidence is required (you must answer the eligibility questions on the enrollment form) for 1 to 2 times your annual pay or coverage amounts of $10,000 to $500,000
  • Simplified medical evidence is required (you must answer the eligibility and underwriting questions on the enrollment form) for 3 to 4 times your annual pay or coverage amounts of $510,000 to $750,000

If you answer yes to health questions on the enrollment form or in all other cases:

  • Full medical evidence is required (you must complete the enrollment form, complete a statement of good health, and receive underwriter approval).
Exceptions may include special enrollment offers. Check your messages in the Message Center from the Home page to learn whether or not you can take advantage of such an offer now.

Your Spouse*
If you enroll your spouse within 60 days of your eligibility date or 31 days of your marriage date:

  • No medical evidence is required (answer the eligibility questions on the enrollment form) for $10,000 in coverage.
  • Simplified medical evidence is required (you must answer the eligibility and underwriting questions on the enrollment form) for coverage amounts of $20,000 to $40,000.

If you answer yes to health questions on the enrollment form or in all other cases:

  • Full medical evidence is required (you must complete the enrollment form, complete a statement of good health, and receive underwriter approval).
Exceptions may include special enrollment offers. Check your messages in the Message Center from the Home page to learn whether or not you can take advantage of such an offer now.

*This means legal spouse. In addition, it refers to an employee’s registered same-sex spousal equivalent providing the employee was hired prior to January 1, 2016 and registered his/her partner in Duke HR prior to January 1, 2016. This employee’s registered partner is grandfathered under Duke’s Same-Sex Spousal Equivalent Policy and is included in the meaning of “spouse” for the purpose of this benefit program wherever permissible under federal and state law. The grandfather status continues for the course of this relationship only.

Your Children
If you enroll your children or your spouse's children within 60 days of your eligibility date or 45 of the first child's birth or adoption:

  • No medical evidence is required (you must answer the eligibility questions on the enrollment form) for $10,000 in coverage.

If you answer yes to health questions on the enrollment form or in all other cases:

  • Full medical evidence is required (you must complete an enrollment form, complete a statement of good health, and receive underwriter approval).

Exceptions may include special enrollment offers. Check your messages in the Message Center from the Home page to learn whether or not you can take advantage of such an offer now.

Everyone needs life insurance.

Contrary to popular belief, life insurance isn't just for parents. You need life insurance if anyone is financially dependent on you.

You've recently graduated from college.

You may have significant student loan obligations. If something were to happen to you, your loved ones would most likely be forced to shoulder that debt.

You're the parent of two small children.

You want to make sure they'll be able to keep the same lifestyle and attend college — even if you're not there to see it happen.

Your children are on their own.

But your children rely on you for support and help around the house. If you weren't there for them, your children would need extra money to pay someone to take care of things you've been managing for them.

Your spouse is depending on your income for retirement.

But you're not sure your retirement savings is enough to keep up with the rising cost of living if your paycheck stopped. Life insurance can be a smart way to fill the gap.

Like many families, you rely on two incomes to make ends meet.

You'll need life insurance on both you and your spouse. Even if your spouse stays at home, you should consider life insurance on your spouse to cover the cost of hiring someone to take care of the things your spouse generally handles.

Supplemental Life Insurance offers several advantages over other forms of life insurance.
  • Group rates: These are often lower than you can get with individual policies.
  • Permanence: Unlike other group life insurance programs, you can keep this coverage even after you leave your employer.
  • Relaxed underwriting: If you enroll during pre-defined periods, such as when you start a new job, you do not have to meet as many medical requirements.
  • Flexibility: Within certain limits, you can change the death benefit, the amount of premium, and payment frequency.

You can enroll if you:

  • are an active employee, faculty member, or House staff and are regularly scheduled to work at least 20 hours per week.
  • are on U.S. Duke payroll.
If you enroll, you can also enroll these family members:
  • Your legal spouse*.
  • Your dependent children or those of your spouse/spousal equivalent.

*This means legal spouse. In addition, it refers to an employee’s registered same-sex spousal equivalent providing the employee was hired prior to January 1, 2016 and registered his/her partner in Duke HR prior to January 1, 2016. This employee’s registered partner is grandfathered under Duke’s Same-Sex Spousal Equivalent Policy and is included in the meaning of “spouse” for the purpose of this benefit program wherever permissible under federal and state law. The grandfather status continues for the course of this relationship only.

In addition to the advantages of Supplemental Life Insurance over other life insurance options, this plan offers even more special benefits.

  • Group rates: These are often lower than you can get with individual policies.
  • Portability: Unlike other group life insurance programs, you can keep this coverage even after you leave your employer.
  • Relaxed underwriting: If you enroll during pre-defined periods, such as when you start a new job, you do not have to meet as many medical requirements.
  • Flexibility: Within certain limits, you can change the death benefit, the amount of premium, and payment frequency.
  • Nonsmoker rates: Reduced rates are available if the insured has not smoked or used any form of tobacco for 12 consecutive months prior to the date you complete the enrollment form.
If the insured qualifies at a later date, you may change the rate to nonsmoker. To do so, call Mercer Voluntary Benefits and request a change form.
  • Automatic Coverage Increase. Your employee coverage will increase as your annual pay increases.

If your annual pay in effect as of July 1 makes you eligible for additional coverage, your coverage may be automatically increased on January 1. You must be actively at work for the increased coverage amount to be effective.

Automatic increases are calculated once each calendar year.

  • Accelerated Benefit Option. If you or your spouse are diagnosed as terminally ill, the Accelerated Benefit Option feature of Supplemental Life Insurance makes a portion of the death benefit immediately payable. An accelerated payment can't be more than 80% of the insurance amount (or $500,000, whichever is less). Please note that any benefit a beneficiary receives would be reduced by any accelerated benefit payment the insured received. "Terminally ill" is defined as having been certified by a licensed physician as having a life expectancy of 12 months.
  • You can enroll in coverage amounts equal to 1, 2, 3, 4, 5, 6, 7, or 8 times your annual pay, subject to a minimum amount of $10,000 and a maximum of $2,500,000.
  • You can enroll your spouse for amounts between $10,000 and $100,000 in increments of $10,000.
  • You can enroll your children for $10,000.

Note: If you live in Texas, the following special rules apply:

  1. Your coverage cannot exceed the greater of 7 times your annual base pay or $250,000, less any company provided life insurance.
  2. Spouse coverage cannot exceed 100 percent of your coverage amount.
  • Your cost is based on several factors including your age, any special features you select, and the amount of coverage you want. Also, you may be eligible for a premium discount if you do not use tobacco.
  • To get a free, no-obligation online quote, click the "Enroll Now" button.

You can enroll anytime!

At certain times you may be allowed to enroll more easily in the Supplemental Life Insurance plan by not completing as many questions.

These times include:

  • Within 60 days of your initial eligibility date for the Duke Supplemental Life Insurance plan.
  • During special enrollment periods. To learn if you are eligible for a special enrollment offer, check your messages from the Home Page of this web site.
  • Within 31 days of marriage
  • Within 45 days of the birth or adoption of your first child
  • You may be able to enroll your family members more easily during the same times listed above for you.
Coverage is effective on the date MetLife states in writing provided you are actively at work on that date.
If you do not enroll yourself and your eligible family members when first eligible or during a special enrollment period, you will be required to answer some health questions and be approved by the insurance company before coverage can begin.

If you enroll when first eligible:
  • You can get up to 2 times annual pay to a maximum of $500,000 with no medical questions.
  • You can get up to $10,000 for your spouse with no medical questions.
  • You can get $10,000 for your children with no medical questions.
Your Supplemental Life Insurance coverage is yours even if you leave Duke as long as the group policy is in effect. You will be billed directly for your cost of coverage at portable rates.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Rates - Active

Rates - Retiree

Rates - Terminated

Will Preparation Services

Funeral Planning Guide

Estate Resolution Services

Beneficiary Designation Form



Download Adobe Acrobat Reader

We're here to help! Please contact us in whatever manner is most convenient for you.

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
Phone: 1-800-552-9670
Hours: 9:00 a.m. to 6:00 p.m. EST/EDT, M-F
Email: employerbenefitsinquiries.service@mercer.com

Enroll Now

Click on the button to enroll
in Supplemental Life Insurance

Enroll Now

Beneficiary Capability

Supplemental Term Life
Beneficiary Capability

Employees now have options:
  1. You are now able to choose and/or update beneficiary information online for active Supplemental Term Life policies. Log in to My Account at the top of this page to access the online Beneficiary tool
  2. Or, complete the Beneficiary Designation Form and return the form to Mercer for processing.
(It is not a requirement to utilize the new online functionality. Existing beneficiary selections are on file, historical information is not loaded into the system.)
Our Role and Compensation

Details of Mercer disclosure of the compensation.

Read More