Benefits » Other Insurance » Supplemental Life Insurance
NOTE: As of January 1, 2009 The Hartford has assumed the contract for LANS Life Insurance programs. Any claim date after Jan 1, 2009 will be handled by The Hartford. If the claim date is prior to Jan 1, 2009 then Prudential will process the claim.
If you want to supplement your Basic Life or Core Life insurance plan and you qualify for Full or Mid-level benefits, you may enroll in the Supplemental Life insurance plan. The following coverage amounts are available:
Coverage is based on the full-time salary rate for your position as of January 1 of the current year, even if you work part time.
The cost for Supplemental Life insurance will depend on your age and the amount of coverage you want.
To enroll in Supplemental Life insurance, contact the Lab's Benefits Office by calling 505-667-1806 or sending email to benefits@lanl.gov. You may enroll in Supplemental Life insurance during your period of initial enrollment (PIE), which starts the day you become eligible and ends approximately 31 days later. (New hires: your PIE will start on your date of hire.)
If you enroll after your PIE, you must submit a statement of health to the insurance company. A statement of health is an application that informs the insurance company about your medical history. The insurance company may or may not accept your request for coverage based on the statement of health. (Note: LANS's life insurance plans carry no restrictions for preexisting conditions.)
You may not enroll family members in this plan, nor is it available to retirees.
You have 31 days from approval of your health statement to submit your enrollment form to Benefits to enroll. If you do not submit an enrollment form within 31 days from approval, you may have to request another health statement and your enrollment could be delayed or denied as a result.
All LANS employees must designate at least one beneficiary for their insurance elections. If no beneficiary is named, benefits will be paid to the first survivor in this list (in order):
If none of these people survives the employee, benefits will be paid to the employee's estate.
For more information on beneficiaries, or how to designate them, go to our beneficiary page.
If your salary increases during the calendar year, Supplemental Life insurance coverage will not automatically increase to reflect a higher salary until the following January 1.
If you change from full time to part time, your Supplemental Life insurance coverage is based on the full-time salary rate for your position as of January 1 of the current year, even if you work part time. Coverage will not automatically be reduced if your full-time salary rate is reduced.
This is only an overview of the Supplemental Life insurance plan.
Questions? Contact the Lab's Benefits Office at 505-667-1806.