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 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 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 9/1/2024 | RATE PER $1,000 COVERAGE | AGE OF SPOUSE ON 9/1/2024 | 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
