• Benefits for Life - optional coverage program

    Benefits for Life, the employee-paid, optional coverage program offered through the State of Michigan is designed to help you be safe, be protected and be prepared.

    The program offers you the opportunity to apply for coverage in key benefit areas and continue that coverage should you change jobs or retire.

    Our 2009 Open Enrollment period was from January 27 through February 12, 2009. The next open enrollment will be towards the end of January 2010. 

    The Benefits for Life offerings do not replace your district-sponsored benefit plans. Instead, the program offers additional financial protection with premiums payable through the convenience of payroll deduction. Because the plans are voluntary, you can customize your coverage by choosing from a range of plans that offer a combination of benefits and features that can help meet your personal and family insurance needs.

    Questions: - For general questions about Benefits for Life we have a Representative that can answer questions directly or direct you to the person that you need for your specific issue.  Her name is Tracy -- 1-248-526-9500
    For Specific Questions on your coverages or to change or cancel your coverage you can contact the Insurance Companies directly at:

    Term Life Insurance - Mutual of Omaha (800) 283-9591

    Universal Life Insurance -Trustmark (800) 918-8877 option #6

    Critical Illness Insurance - Trustmark (800) 918-8877 option #6
    Auto - Home Insurance - Liberty Mutual Insurance Company (800) 295-3753

    Coverage Options

    The optional coverage plans include:

    Supplemental Term Life Insurance
    Supplemental Term Life insurance serves as a foundation of financial protection that pays a lump sum benefit in the event of death. A variety of flexible policy features are also available.

    Universal Life Insurance
    Universal Life insurance pays a lump sum benefit in the event of death and builds cash value that can help with other financial needs. It includes a variety of policy features such as a long-term care benefit which provides a monthly benefit for a medically necessary stay in a qualified long term care facility or assisted living facility, medically necessary home health care, and adult day care services.

    Critical Illness Insurance
    Critical Illness insurance provides a lump-sum cash benefit upon the first diagnosis of a covered critical illness, including cancer.

    Auto and Home Insurance
    This benefit provides an exclusive discount on already competitive rates for auto and homeowners insurance.