What would happen to your family if you were no longer there to provide for them? Do you have enough life insurance for them to keep their home, pay all the monthly bills, and afford college for your children and other future expenses?
With Supplemental Life Insurance you can replace the worrying about your family’s financial security. Supplemental Life Insurance allows you to create a "safety net" for your family and help provide the resources for them to carry on. Features of Supplemental Life Insurance include:
If you are a current plan participant and would like to see current coverage and premium, click on MY ACCOUNT. If you recently enrolled in or changed your coverage, the new information will not be displayed until the changes are reflected in your billing.
To see current beneficiary information click on MY ACCOUNT. Existing beneficiary selections are on file (historical information is not loaded into the system). Your most recently dated beneficiary designation constitutes the only effective designation.
To update beneficiary information you may do one of the following:
To get a quote or enroll in Supplemental Life Insurance, click on the button below.
For new coverage, create an account using your Duke Unique ID#* and date of birth. Follow prompts to get a quote or enroll.
To increase current coverage, log in to your account using your Duke Unique ID#* and date of birth. The system will reflect your current coverage amount and you will elect the new coverage amount desired.
*Note: You must use 7 digits for the Duke Unique ID# field. If your Duke Unique ID# is less than 7 digits, add leading zeros for a 7 digit number. Example: If your Duke Unique ID# is 1234, enter as 0001234.
Click to learn more about the Supplemental Life Insurance Program
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Who needs life insurance?
Who is the provider?
Who is eligible?
You can enroll if:
You can also enroll these family members:
Your spouse and children’s benefits can only be put in force if you are actively at work and each person to be covered is able to perform normal activities on the date the Enrollment Form is signed and coverage starts. You will be required to submit Evidence of Insurability if you elect greater than $10,000; or if you enroll outside of the initial enrollment period or a qualified family status change event. You must be insured for at least one times your annual pay in order for your spouse to be eligible.
When can I enroll?
You can enroll anytime!
At certain times you may be allowed to enroll in the Supplemental Life Insurance plan by not completing as many questions. These times include:
Do I have to meet any medical requirements?
How much will this coverage cost?
Your cost is based on age and the amount of coverage you want. Click on the link below for rate information.
|Rates – Active|
|Rates – Retiree|
|Rates – Terminated|
If at point of claim, there are due premiums for active coverage, the balance will be deducted out of the beneficiary payment.
What if my employment status changes?
Are there other benefits to this plan?
In addition to the advantages of this plan over other life insurance options, this plan offers even more special benefits:
Automatic Coverage Increase: Each year on January 1, your employee coverage may go up based on an increase in your annual pay as of the prior July 1. (Please note: Coverage increases automatically just once per program year. You must be actively at work on the effective date of your increase to qualify.)
Accelerated Benefit Rider:
When would my coverage start?
If evidence of good health is not required... If you apply on the 14th of the month or before, you are eligible on the first of the month following date of hire. If you apply on the 15th of the month or after, you are eligible on the first of the month following one month of continuous, active employment.
If evidence of good health is required...Coverage is effective on the first of the month after coverage is approved by Lincoln.
*Spouse means legal spouse. You must be married in order to be eligible for spousal coverage. For Vermont and Washington state residents, spouse includes your registered Domestic Partner if you and your Domestic Partner are registered as domestic partners, civil union partners or reciprocal beneficiaries with a government agency or office where such registration is available.
The above information provides highlights of the insurance program. It does not and is not intended to cover the program in detail. Please refer to the policy for a complete description of the coverage, limitations, and exclusions.
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
|Evidence of Insurability form|