Group Term Life Insurance - Active Employee

PLEASE NOTE: Dearborn has recently re-branded under the name Blue Cross and Blue Shield. Both companies are under the umbrella of Health Care Services Corporation (HCSC), so the changes are in name only.

 

Group term life (GTL) insurance can help ensure financial security for your family and loved ones upon your death. UT System, through Blue Cross and Blue Shield of Texas (BCBSTX) (formerly Dearborn), provides eligible employees with $50,000 basic GTL as part of the basic coverage package. Benefits-eligible employees enrolled in the UT SELECT or UT CONNECT Medical Plan are automatically enrolled in this basic coverage.

Regular benefits-eligible active employees also have the opportunity to purchase additional employee and dependent coverage at group rates.

Basic Group Term Life (GTL) Benefits

Basic group term life insurance in the amount of $50,000 is a part of the basic coverage package. Full-time eligible employees enrolled in the UT SELECT or UT CONNECT Medical plan are automatically enrolled in the basic GTL at no cost and without Evidence of Insurability (EOI).

 

Voluntary Group Term Life Options

COVERAGE LEVEL BENEFIT AMOUNT
Employee Voluntary GTL (available with or without Basic GTL) 1 to 10 times Annual Compensation up to a maximum of $2,000,000
Dependent Voluntary GTL* $10,000 (Benefit amount for spouse and each eligible dependent child)
Additional Spouse Voluntary GTL* $15,000 or $40,000 in addition to the $10,000 Dependent Voluntary GTL

*Employee must be enrolled in Employee Voluntary GTL benefits in order to elect benefits for spouse and/or dependent children.

Active employees who participate in an alternative UT System health institution life plan are not eligible to participate in the Voluntary Group Term Life plan offered under Dearborn National.

Evidence of insurability (EOI) is required for:

    • Employee Voluntary GTL coverage of up to 3 times annual salary, except within the initial 31-day benefit election period or following a qualified change of status;
    • Employee Voluntary GTL coverage of 4 to 10 times annual salary; or
    • Additional Spouse Voluntary GTL. 

    The dependent voluntary GTL premium provides coverage of $10,000 for each eligible dependent regardless of how many dependents are covered. Employee Voluntary GTL and Additional Spouse Voluntary GTL premium is based on the enrolled person’s age and benefit coverage level.

     

    Out of Pocket Rates

    EMPLOYEE RATE CHART

    		  

    SPOUSE RATE CHART

    AGE OF SUBSCRIBER
    ON 9/1/2022

    RATE PER $1,000 COVERAGE

     

    AGE OF SPOUSE
    ON 9/1/2022

    RATE PER $1,000 COVERAGE

     

     

     

    15 – 24

    $0.053

     

     

     

    25 – 29

    $0.054

    15 - 34

    $0.035

     

    30 – 34

    $0.057

    35 – 39

    $0.045

     

    35 – 39

    $0.072

    40 – 44

    $0.059

     

    40 – 44

    $0.101

    45 – 49

    $0.092

     

    45 – 49

    $0.154

    50 – 54

    $0.142

     

    50 – 54

    $0.241

    55 - 59

    $0.221

     

    55 - 59

    $0.376

    60 - 64

    $0.345

     

    60 - 64

    $0.574

    65 - 69

    $0.616

     

    65 - 69

    $0.857

    70 - 74

    $0.713

     

    70 - 74

    $1.167

    75 - 79

    $0.884

    		  

    75 - 79

    $1.446

    80 and over

    $1.549

    		   80 and over $2.536

     

     

    Resources

    Contact

    BCBSTX LIFE AND AD&D CUSTOMER SERVICE  (866) 628-2606   

    Claims Address
    BlueCross BlueShield of Texas
    Attn: Life Claims Department
    P.O. Box 7070         
    Downers Grove, IL 60515