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. For questions call: 888-825-8395 (888-VALUE-95) or send an email to: som_bfl@ajg.com.
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The program offers you the opportunity to apply for coverage in key benefit areas and continue that coverage should you change jobs or retire.
The Benefits for Life offerings do not replace your State-sponsored benefit plans. Instead, the program offers additional financial protection with premiums payable through the convenience of payroll deduction. 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.
Coverage Options
The optional coverage plans include:
Accident Insurance
Offsets the cost of unexpected bills related to accidents that occur every day.
Accidental Death and Dismemberment Insurance
AD&D Insurance provides financial assistance with the burden that can result from a serious accident.
Both the Accident Insurance and Accidental Death and Dismemberment Insurance Plans (AD&D) provide benefits for accidental death and dismemberment. However, Accident Insurance from Trustmark also pays specific benefits for everyday accidents such as fractures, dislocations, lacerations, burns and many more. Accident Insurance also provides additional benefits if you require hospitalization for a covered accident or injury regardless of other Insurance you may have.
Auto and Home Insurance
This benefit provides a special discounted rate on Auto and Homeowners Insurance.
Critical Illness Insurance
Critical Illness Insurance provides a lump sum cash benefit upon the first diagnosis of a covered critical illness, including cancer.
Discount Plan
The Discount Plan provides exclusive discounts from thousands of local and national merchants.
Legal Plan
The Legal Plan provides access to a network of attorneys - over the phone or in person - for many common personal legal issues.
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. May provide help in paying for long term care expenses. You must meet conditions of eligibility for benefits.
Key Features of Benefits for Life
Depending on the plans selected, coverage is available to eligible employees, their spouse, their children, and their grandchildren (Universal Life Insurance). Non-career employees are not eligible to enroll in this optional coverage program.
- Flexible plan features that let you change coverage options as your needs change.
- Coverage is portable should you change jobs or retire from State service.
- Payments are made through the ease and convenience of payroll deduction.
