Calculators
- Use the Needs Estimator to determine how much Life and AD&D insurance you should have.
- Determine the cost of your Life and AD&D insurance by using the Premium Calculator.
The State of Nevada provides a basic amount of Life insurance to help protect your loved ones in the event of your death. Since everyone's needs are different, the State of Nevada also provides you with the opportunity to apply for Voluntary Life insurance from Standard Insurance Company — a simple, easy way to further help protect your family. It allows you to apply for the additional coverage you need, with premiums deducted directly from your paycheck if you are an active employee. In certain circumstances, you may be required to provide satisfactory proof of evidence of insurability.
Basic Life Insurance
If you participate in the State of Nevada's PEBP–sponsored medical plan, the State provides you Basic Life insurance in the amount of $10,000. See the Life Insurance Certificate for more detailed information.
Voluntary Life, AD&D and Dependents Life Insurance
You may also purchase Voluntary Life, AD&D and Dependents Life insurance at group rates.
| Employees | any multiple of $10,000 to a maximum of $500,000 |
| Spouses/Domestic Partners | any multiple of $10,000 to a maximum of $250,000 |
| Child(ren) | any multiple of $2,500 to a maximum of $10,000 |
2012 Annual Enrollment Opportunity
If you apply during the May 2012 annual enrollment period, evidence of insurability will be waived as follows:
- If you are currently enrolled in the Voluntary Life and AD&D plan for less than $100,000, you may increase your coverage by $10,000 or by $20,000 provided the amount of your Voluntary Life coverage will not exceed $100,000.
For answers to commonly asked questions, costs, exclusions, limitations and reductions, please review the Voluntary Life and AD&D Insurance Booklet for Active Members and Certificate of Insurance for more detailed information.
Beneficiary Financial Counseling
At the time of claim, the beneficiary of an active employee may also be eligible to receive comprehensive and objective financial counseling through an arrangement with PricewaterhouseCoopers. Services include a beneficiary guide about settling an estate and other important topics, personal financial counseling, financial analysis, 12 months of unlimited toll-free telephone access to financial counselors, a financial Web site and the newsletter "Your Money, Your Future." See the Beneficiary Financial Counseling brochure for more detailed information.
Travel Assist
Designed to respond to most medical care situations and many other emergencies you and your family experience when you travel 100 miles or more from your home, Travel Assist provides a wide-ranging program of information, referral, coordination and assistance services. These services include pre-trip assistance, medical assistance, emergency transportation, travel and technical assistance, legal services and medical supplies. Assistance is available 24 hours a day, 365 days a year whether you are 100 or 10,000 miles from home. Simply print out and carry the Travel Assist Card on the back of the Travel Assist brochure which provides more detailed information.
Remember to Update Your Beneficiary
As a reminder, Standard Insurance Company maintains all Life insurance beneficiary designations, including designations for Basic Life and AD&D insurance. If you want to designate or update your beneficiary(ies), please complete the Beneficiary Designation and Change Form and return it to the address listed above.