Life Insurance

Life Insurance and AD&D Plans

The State offers several group term life insurance plans through Securian Financial. All eligible employees are automatically enrolled in the Basic Life insurance plan and are also eligible to enroll in the Optional Throughout Life Insurance plan for themselves and their eligible dependents.

All life insurance includes a matching amount of Accidental Death and Dismemberment (AD&D) coverage.

Securian Financial/Minnesota Life Insurance Company

  • Basic Life and AD&D Insurance (employer paid)
  • Optional Life and AD&D Insurance (employee paid)

Basic Life and AD&D

You are automatically enrolled in the Basic Life and AD&D Insurance plan. The State pays 100% of your Basic Life and AD&D Insurance premium. As an eligible employee, you receive Basic Life and AD&D insurance equal to one times your annual earnings to a maximum of $250,000.

Voluntary Life and AD&D

You can enroll for additional life insurance for yourself, your spouse and your eligible child(ren). You can purchase Voluntary Life and AD&D insurance at a minimum of $10,000 and up to a maximum of $500,000 (in increments of $10,000) for yourself at any time. When you enroll in Voluntary Life Insurance for yourself, you can elect life coverage for your spouse (including common-law spouse), and civil union partner, in increments of $10,000 up to a maximum of $250,000 (not to exceed 50% of the employee‚ voluntary life coverage), and for your eligible child(ren) in the amount of $5,000 or $10,000.


Enrollment and providing Evidence of Insurability (EOI) is completed at and must be completed when you or your spouse apply for new coverage or increase coverage during open enrollment.

Imputed Income

According to Internal Revenue Code (IRC) Section 79, group term life insurance coverage in excess of $50,000 may be subject to federal taxes based on a rate table provided by the IRC. The amount of life insurance in excess of $50,000 is multiplied by a premium rate based on age as of the end of the calendar year, which results in a monthly amount of imputed income.

Beneficiary Designations

Be sure to designate a beneficiary for your life insurance and make changes to keep it current. Your beneficiary designations must be made through the State‚ online benefits administration system,

Spouse/Domestic Partner/Civil Union Partner

There are separate premiums for employees and spouses/civil union partners. For optional child life insurance, eligible children may be covered up to age 26 (coverage terminates the end of the month turning 26).

Spouses/civil union partners and eligible children added to optional life insurance during open enrollment must be verified by providing the appropriate documentation to your agency benefit administrator.


If your spouse/domestic partner/civil union partner or child is also a State employee, they may be covered for their own optional life as an employee or as a spouse/domestic partner/civil union partner or child under your plan, but not both. Double optional life coverage is not allowed.


Customer Service Line: 1.877.828.7728 for questions on claims, evidence of insurability forms, coverage, portability, and conversion.

The Policy Number for State-paid Basic and Employee-paid Optional Life/AD&D Insurance is 33780-G.

The information on this page is an overview and is not intended to be a complete description of the benefits. A more detailed summary plan description for the plans can be found linked on this page. If there is a conflict between the information on this page and the official plan documents, the plan documents will govern. The State of Colorado reserves the right to modify or terminate any of the described benefits at any time and for any reason. The descriptions of these benefits are not a guarantee of current or future employment or benefits. For additional information about the specific plans available to you, please contact your agency's Benefit Administrator.