As a new hire, you are able to elect up to the Guarantee Issue of $200,000 for yourself, $50,000 for your spouse, and $10,000 for your child(ren) with no health questions. Should you wish to elect an amount that exceeds the Guarantee Issue, an Evidence of Insurability Form is required. You may obtain an EOI Form from the Resources page or by calling the Benefits Service Center. To apply, simply complete the form and submit it to Unum for review. You will not be deducted for your pending amount unless / until you are approved. If you elect coverage effective July 1, 2025, regardless of the amount, you may increase your future elections at Open Enrollment up to the Guarantee Issue with no health questions.

In the event of employment separation, you may port or convert your voluntary life insurance coverage. Portability provides you with an individual term policy which terminates at age 75, and portability must be elected prior to age 70.  Conversion provides an individual whole life insurance policy.  For coverage continuation options, portability or conversion must be elected within 31 days of your employment separation, and premium payments are remitted directly to Unum.  Contact Unum to exercise these options.