Life and AD&D Insurance

Life Services Tookit Needs Estimator Premium Calculator

Voluntary AD&D Insurance

Premium Calculator

Long Term Disability Insurance

Needs Estimator Premium Calculator

How to Enroll

Travel Assistance

Forms Basic and Supplemental Life Beneficiary Designation and Change Form Enrollment and Change Form LTD Claim Packet Booklets Additional Life Employee Booklet Buy-up LTD Employee Booklet Certificates Life and AD&D Long Term Disability

Voluntary Accidental Death and Dismemberment (AD&D)

Long Term Disability Insurance


  • Once you know how much life insurance you should have, find out how much it will cost by using the Premium Calculator.

Montana University System provides you the opportunity to help protect your loved ones. With Voluntary AD&D coverage, you and your beneficiaries may receive an AD&D insurance benefit in the event of death or dismemberment as a result of a covered accident.

As an eligible employee, you may elect coverage amounts in multiple of $25,000, not to exceed the maximum of $600,000. If you are enrolled in Voluntary AD&D for yourself, you can elect Dependents AD&D insurance. You may enroll your Spouse in multiples of $25,000 up to a maximum of $300,000. Child coverage is available starting at $5,000 up to a maximum of $30,000.

To learn more before you enroll, please read the Voluntary AD&D Coverage Highlights and Certificate of Insurance for information on exclusions, limitations and reductions. To determine the cost, please use the Voluntary AD&D Premium Calculator.