Life and Long-Term Disability Insurance

Basic Life and Long-Term Disability Insurance Coverage Provided by the University

The University provides all eligible employees with basic life insurance at no cost to the employee.  The basic life coverage level is 1.5 times the covered employee's annual base salary with a maximum benefit of $400,000.  This coverage reduces to an amount equal to the employee's annual base salary at age 65.  The provider for this coverage is Guardian Life Insurance Company.

Also, for eligible active employees, a death benefit of the payment of accrued sick leave or 60 workdays, whichever is smaller, is paid to the employee's beneficiary by the University.

This coverage provides benefits after a 90 day period of disability. The monthly benefit is 60% of the covered employee’s monthly base salary not to exceed $10,000 per month. Coverage generally continues until age 65-70, depending on the age of the employee when LTD benefits begin. This benefit is offset by social security disability benefits and Teachers’ Retirement System benefits, if applicable. The cost for this benefit is paid in full by the University for eligible employees. The provider is Guardian Life Insurance Company.  Please see the link below for more details.

Initial enrollment for these coverages is conducted during new-hire orientation.  To file a claim for life or long-term disability insurance benefits, the beneficiary or employee should contact the Office of Human Resources at 256.765.4650.  Please see below for a detailed plan description.

Guardian Life Insurance Plan Description

Guardian Life Insurance - Employees Earning Less Than $100,000
Guardian Life Insurance - Employees Earning More Than $100,000

Life Insurance  Provided by the Teachers' Retirement Systems of Alabama (TRS)

As a member of the Teachers' Retirement System of Alabama, eligible employees also have death benefits available through TRS.  For details of these benefits, refer to page 16 of the TRS Member Handbook.

Supplemental Life Insurance Option Provided by Guardian

Guardian also provides the opportunity for eligible employees to purchase additional group life insurance to cover themselves, their spouses, and their dependents.  This coverage is offered initially at new-hire orientation and is effective on the first of the month, 30 days after the employee's date of hire.

If coverage is elected upon its initial offering, there is a guaranteed issue coverage amount of $200,000.  Coverage can be purchased in $10,000 increments to a maximum of $500,000.

Eligible employees may also purchase spouse coverage at 50% of the employee's elected coverage amount up to $100,000. 

Dependent children may be purchased that provides $10,000 in coverage per child (ages 2 through 19; 25 if a full-time student).  To file a claim for life insurance benefits, the beneficiary should contact the Office of Human Resources at 256.765.4650.

Guardian Voluntary Life Insurance Rate Sheet

Cumulative Death Benefit

  • Life Insurance/Guardian
  • $15,000 life insurance/TRS
  • One year of annual salary/TRS
  • Return of TRS contributions plus interest
  • Retirement options for beneficiary if deceased was eligible for retirement
  • Payment for up to 60 days of accrued sick leave


Handbook / Policies