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Life insurance: Options for you and your family
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Your TI life insurance is "portable"
If you leave TI, you can either convert your life insurance to a personal policy or take it with you under a portability option.

The portability option costs significantly less than what you would pay under policy conversion. However, unlike policy conversion, the portability option allows the insurance carrier to change the cost in the future or eliminate the policy altogether.

The cost of either option is based on your age at the time you leave TI. For more details, see the 2016 Health and Insurance Benefits Guide.

It's important that your family has health care, but it's also important they're cared for if something tragic happens to you. TI's life insurance benefits are there to provide the protection your family deserves.

Paid by TI: Basic life
All TIers automatically receive basic life insurance coverage at a level equal to one-times their base salaries, rounded to the nearest $1,000. TI pays for this coverage.

The minimum coverage amount is $50,000, regardless of salary level.

Purchased by you: Supplemental life
You can purchase additional life insurance coverage - called supplemental life - up to eight times your annual base salary. Your combined coverage (basic and supplemental) cannot exceed $2.5 million. If you elect additional levels of life insurance greater than $300,000 or more than one multiple of salary, an evidence of insurability form will be required. You'll be prompted to complete this form when you enroll for supplemental coverage on the NetBenefits® website and a form will be mailed to you with your confirmation statement.

Important features:

  • You are eligible for up to $300,000 of combined Basic Life and Supplemental Life coverage on your date of hire without providing proof of insurability, if you enroll within the first 30 days of your employment.
  • During annual enrollment, supplemental life participants can increase coverage one multiple of salary without being subject to evidence of insurability (up to the $300,000 level).
  • During annual enrollment, you can also purchase coverage for your spouse/domestic partner and children.

To see 2016 premiums for supplemental life insurance, go here.

For more details about the TI life insurance benefit, see the 2016 Health and Insurance Benefits Guide, available on this website under "Benefits Guides."

Coverage for spouse or domestic partner: Coverage for your spouse/domestic partner includes options of $5,000, $10,000, $25,000, $50,000, $100,000, $150,000 or $200,000. Evidence of insurability is required for coverage over $50,000 and any increase to coverage elected during annual enrollment. Maximum spouse/partner coverage is the lesser of 7 times employee annual base salary or $200,000. You are the beneficiary of any spouse/partner life insurance coverage you elect.

To see 2016 premiums for spouse/partner life insurance, go here.

Child life: Coverage for your eligible children includes options of $5,000 or $10,000. Each of your eligible children will have the same amount of coverage elected - whether you have one child or several. An EOI form is not required.

To see 2016 premiums for child life insurance, go here.

For more details about the TI spouse and child life insurance benefits, see the 2016 Health and Insurance Benefits Guide, available on this website under "Benefits Guides."


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