Life and AD&D

Life and AD&D Insurance

Life and Accidental Death and Dismemberment (AD&D) insurance, through Minnesota Life Insurance
Company/Securian Financial, provides financial security to you and your family if you pass away or become seriously injured.

Basic Life and AD&D Insurance

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. Basic Life and AD&D is provided by the State of Colorado at no cost to you.

Voluntary Life and AD&D Insurance

In addition to Basic Life and AD&D, you may buy voluntary Life and AD&D coverage at discounted rates.

Benefit Features Voluntary Life and AD&D Options*
Employee Spouse Dependent Child(ren)
Coverage Options Increments of $10,000 Increments of $10,000 Increments of $5,000
Maximum $500,000 $250,000
(cannot exceed 50% of employee’s coverage)
(cannot exceed 50% of employee’s coverage)
Guaranteed Issue Period Within 31 days of new hire eligibility or a family status change

*Evidence of Insurability (EOI) may be required.

Enrollment and EOI

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

How Much Voluntary Life and AD&D Insurance Should I Buy?

When deciding how much voluntary Life and AD&D coverage to buy, consider the following:

  1. How much will your dependents need to pay debts?
  2. How much do your dependents need to maintain their current standard of living?
  3. What kind of future would you like to provide for your dependents or others who depend on you for financial support?

Choosing a Beneficiary

You may choose anyone to be the beneficiary of your Life and AD&D policy in the event of your death or serious injury. Review
your beneficiary designation periodically to ensure it reflects your current wishes. You may change your beneficiary as often as
needed at

Your Rights

This website highlights some of your benefit plans. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists between this communication and the official plan documents, the plan documents will prevail. The State of Colorado reserves the right to change any benefit plan without notice. Benefits are not a guarantee of employment.

Your Benefits Team

Division of Human Resources
303-866-3434 or 800-719-3434

Your Department’s Human Resources Office: Benefit Administrator List


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