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PPM Section 14 - Insurance Plans: Life Insurance

Life insurance policies and procedure are located at Employee Handbook Section 12 - Insurance Plans. Also see Life Insurance.

Life insurance continuation

Life insurance may be continued under a number of circumstances. Please review the summaries below and contact Human Resources with specific questions.

  1. Continuation during approved paid leave of absence. Coverage and premiums continue without interruption.
  2. Continuation during approved non-paid leave of absence. Life insurance may be continued at the employee's expense, at the University's group rates, until the employee returns to active payroll, or until his/her employment at WMU is terminated.

    If an employee on an approved leave of absence returns to active payroll following the leave of absence, all group insurance, including life insurance, may be reinstated.
  3. Continuation during workers' compensation leave of absence. See PPM Section 12 - Employee Safety.
  4. Continuation during family and medical leave of absence. See PPM Section 13 - Leaves and Absences from Work: Family and Medical Leave of Absence.
  5. Continuation during layoff. See PPM Section 11 - Reduction in Force: Benefits.
  6. Continuation during an unpaid disciplinary suspension. Life insurance may be continued at the employee's expense, at the University's group rates, until the employee returns to active payroll, or until his/her employment at WMU is terminated.
  7. Continuation after termination. If the employee wishes to maintain the policy after termination, the employee may elect to convert his/her group life insurance to individual policies through the University's life insurance carrier (see following provision).

Conversion of group life insurance to individual policies

Policy is located in the Employee Handbook Section 12 - Insurance Plans.

Procedure

If an event occurs that makes an employee eligible to convert his/her group life insurance to individual policies, the employee should contact Human Resources to obtain the appropriate forms and instructions. Employees have thirty-one (31) days from the date of the event to submit the appropriate forms and initial premium.