Employee Benefits Life and Disability Insurance

Group Life Insurance

All benefits eligible university employees automatically have group life insurance coverage. The entire cost of the coverage is paid by Emporia State University. The group life insurance coverage provides an insured death benefit which is 150% of the employee's annual rate of compensation. Additional information about the basic group life insurance can be found on KPERS website.

All benefits eligible employees also have the option to purchase additional life insurance for themselves, their spouse, and/or their children. This benefit is available from The Standard's website, and new employees are eligible for $50,000 of guaranteed coverage (without proof of good health) within 30 days of their hire date.

The ESU Employee Association also sponsors optional group life insurance through UNUM. Open enrollment for this coverage is held every October.

Long Term Disability Insurance

All benefits eligible university employees have long term disability insurance coverage. The entire cost of the coverage is paid by Emporia State University.

Disability income benefits provide a monthly benefit based on 60% of the employee's annual rate of compensation. There is a required 180 day waiting period. Disability income benefits are subject to reduction for benefits received from Social Security, worker's compensation, or any other employer-provided disability benefit.

• Qualifying members may have different benefit options depending on age at time of disability. Contact the Office of Human Resources for any questions.

Accidental Death Benefits

If an employee dies as the result of an accident arising out of the performance of their duties, accidental death benefits are payable to the employee's spouse, to the children under age 18 or up to age 23 if full-time students, or to dependent parents, in that order. Benefits are a $50,000 lump sum payment and a monthly amount based on 50% of the employee's final average salary subject to reduction for any benefits received under worker's compensation. Benefits are in addition to the insured death benefit and the return of KPERS contributions plus interest. The minimum benefit is $100 per month.