ÂÌñÉç

The premiums are employer-paid; however, any amount of employer-paid insurance over the amount of $50,000 is known as imputed income and is subject to taxation under Section 79 of the Internal Revenue Code.  To calculate the imputed income, please review the imputed income example below. 

Example: John is 42 years old and earns $40,000 per year. He is eligible for $120,000 (3 times his annual salary) of employer-paid basic group term life insurance. The amount of taxable insurance is $70,000 ($120,000 minus $50,000). For the employer-provided basic life insurance, the annual imputed income is $84.00 (70 X $1.20). The $84.00 amount will be included on John’s W-2 (Box 12) statement as taxable income for the year.
 

A beneficiary is a person, trust, or organization that receives the monetary benefit of a life insurance policy should something happen to you. Designating a beneficiary(s) provides a smoother transaction when settling an estate among your survivors. The payment of any benefit shall be made to the beneficiary on record. This beneficiary designation may be changed at any time. If you would like to make changes to your beneficiaries, please use the Beneficiary Form - Securian (PDF).

Beneficiary changes are not effective until the completed form is received in the Employee Benefits Department located in Heer Hall, Kent Campus or you can fax it directly to our office at 330-672-5447.

Yes, once an employee reaches the age of 65, reductions of the original value will begin. Age milestone reductions occur as follows:

Yes. Full-time employees who are covered by the Group Term Life and AD&D insurance program may also elect to purchase additional supplemental AD&D life insurance protection for themselves or a legally married spouse/registered domestic partner, and/or dependent children. The premiums for this additional supplemental life insurance are paid through payroll deduction with after-tax dollars.  IMPORTANT NOTE:  In order to be eligible under the family coverage of the plan, the spouse/domestic partner cannot be eligible as an employee under the plan. Under this stipulation, the Supplemental AD&D must be enrolled on an individual basis. Should coverage be requested for a child of a family unit who is employed at Kent State, one may carry the Supplemental AD&D for family, but cannot cover the ÂÌñÉçemployed spouse/domestic partner under the family plan. For further details, please visit the certificate links below.

Employees may elect additional AD&D life for themselves in increments of $25,000 up to a maximum of $1 million. No Evidence of Insurability (EOI) is required for this benefit.

How much more insurance do you need? The will help you in determining the type and amount of additional insurance. Also, the Securian Calculation Worksheet (PDF) will provide you the premium amount for additional life and accidental death and dismemberment insurance. To elect additional AD&D coverage for you or your family, complete the Group Accidental Death and Dismemberment Insurance Enrollment form (PDF) and return it to Employee Benefits in Heer Hall, Kent Campus or fax it directly to our office at 330-672-5447.

Evidence of insurability (EOI) is an application process in which you provide information regarding your health or your dependent's health. To submit, visit . The group policy number is 34693 and the access code is KENT.

Before you begin, please note:

• The process takes 10-30 minutes to complete.
• You will not be able to save your work to return later. 
• An email address is required.
• Have your medical records available.
• If you have elected spouse coverage and EOI is required for your spouse, both applicants must complete the questions during the same session. 

Please be sure to indicate all coverage types that require EOI. Once you complete and submit the information you will not be able revisit the site to submit another coverage type.

Yes. Employees may elect Supplemental Group Term Life insurance for themselves of one to five times their annual salary to a maximum of $1 million. Also, employees may elect Supplemental Group Term Life insurance for their legally married spouse/eligible domestic partner in increments of $10,000, up to a maximum of $250,000, but not to exceed 100 percent of the amount of additional life the employee could elect. IMPORTANT NOTE: If the spouse/domestic partner is also an employee of Kent State, they are not eligible to be covered under the Supplemental Dependent Life Insurance. For further details, please visit the certificate links below. Any new enrollments or increases to your current supplemental group term life insurance will be subject to medical evidence of insurability (EOI). Lastly, Supplemental Dependent Child Life Insurance is available for eligible dependent children under the age of 25 in the amount of $10,000 coverage for each eligible dependent child and is available for only $1 per month--no matter how many children you have. No EOI is needed for this benefit.

IMPORTANT NOTE:  If the spouse/domestic partner are both employed by Kent State, only ONE employee may enroll the child for the Supplemental Dependent Child Life Insurance. For further details, please visit the certificate links below.

Yes. If you are no longer an active employee, you can contact Securian for individual rates. 

Yes. If you or your dependents plan to travel, no matter for personal or business travel, you are covered at no cost to utilize Securian's Travel Assistance program. Securian's Travel Assistance program offers pre-trip resources, assistance/evacuation, identity theft support, repatriation, and more. Visit for more information and to print your membership card.

Yes. Securian not only provides us with our life insurance products, but they also offer free benefits to our employees.  Also, some of the free benefits are available to spouses and eligible dependents even if they are not covered under Securian life products. A few examples are below.

• Legal, Financial, and Grief Resources - Services for legal matters, financial situations, coping with family loss.
• Travel Assistance - 24/7 online pre-trip resources and emergency travel assistance.
• Legacy Planning Resources - End-of-life resources, survivor assistance.