Teachers and Employees Association (TEA) Supplemental Term Life Insurance
The Teachers and Employees Association (TEA) of Kansas State University is a member organization that offers the opportunity to purchase supplemental term life insurance to its members and their dependents (spouse and children). This program is designed to provide a source of economic security for the member and family.
The Hartford Life Insurance Company underwrites this voluntary program. The cost of the term life insurance is paid by the member through payroll deductions paid from the first paycheck each month. Retired members participating in TEA are billed annually.
Benefits eligible employees may enroll in TEA for up to $50,000 term life insurance coverage, if elected within 31 days of their hire date, without proof of insurability.
Member: $10,000 to $250,000 in $5,000 increments (not to exceed 5 times annual salary)
|Member’s Age |
|Monthly Rate |
(per S1,000 coverage)
|30 - 34||$0.055|
|35 - 39||$0.066|
|40 - 44||$0.099|
|45 - 49||$0.143|
|50 - 54||$0.209|
|55 - 59||$0.396|
|60 - 64||$0.605|
|65 - 69||$1.177|
|70 - 74||$1.903|
|75 - 79||$2.266|
TEA members may enroll or increase coverage for $20,000, without proof of medical insurability, within 30 days of marriage, change in marital status, birth or adoption of a child.
Employees may enroll in TEA anytime during the year - it is continuous enrollment.
|Spouse:||Option I||Option II||Option III|
|69 and under||$4,000||$10,000||$25,000|
|70 and over||$1,000||$ 1,000||$ 1,000|
|Child (based on *age):||Option I||Option II||Option III|
|14 days and under 6 months||$ 200||$ 5,000||$ 5,000|
|6 months and under 2 years||$ 800||$ 5,000||$ 5,000|
|2 years and under 3 years||$1,600||$ 5,000||$ 5,000|
|3 years and under 4 years||$2,400||$ 5,000||$ 5,000|
|4 years and under 5 years||$3,200||$ 5,000||$ 5,000|
|5 years and under 19 years||$4,000||$ 5,000||$ 5,000|
|19 years and under 25 years|
(if enrolled as a full-time student)
|$4,000||$ 5,000||$ 5,000|
- Option I coverage requires the member to be enrolled for at least $10,000 of term life insurance.
- Option II coverage requires the member to be enrolled for at least $20,000 of term life insurance.
- Option III coverage requires the member to be enrolled for at least $50,000 of term life insurance.
Employee Reduction Amounts:
- Age 65 coverage reduced 50%.
- Age 70 coverage reduced to $2,000;
**Maximum coverage amount at age 70 & over - $2,000.
It is easy to enroll in the TEA term life insurance program. Just fill out the TEA Optional Life Benefits Enrollment Form and TEA Optional Life Evidence of Insurability Form and return them to the Division of Human Capital Services, 103 Edwards Hall, 1810 Kerr Drive, Manhattan, KS 66506. There is a one-time $10.00 processing fee which should accompany your enrollment form and evidence of insurability. Please make the personal check payable to "TEA of KSU".
Coverage begins: Coverage will be effective on the first day of the month following satisfactory medical evident of insurability and approval of coverage by The Hartford Life Insurance Company. You will be notified by TEA of coverage begin date.
Payroll deduction: Premiums are deducted from the first paycheck of each month.