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What You Need to Know About Insurance at Layoff |
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If you are laid off, you may continue most of the insurance coverage that you currently have. The benefit is slightly different based on your employment status and years of service. We have outlined three scenarios and the benefit available for each.
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Three years or more of state service |
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If you are a classified employee who receives an Employer Contribution, who has three (3) or more years of continuous service, and who has been laid off, you may be eligible to continue to receive an Employer Contribution for insurance for six (6) months from the date of layoff. During this six month period, the state will continue to contribute the Employer’s Contribution toward the premium, and you will be billed by Minnesota Management & Budget for any premium cost that you now incur for these coverages. |
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If your appointment ends or you terminate employment |
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If you are currently enrolled in the insurance program receiving state-paid coverage, you are eligible to continue health, dental and basic life insurance coverage for a period of 18 months at your own expense (there will be no employer contribution). After 18 months you may convert any health or life insurance which you continued to an individual policy at your own cost. To convert your coverage, call your health plan for conversion coverage and rates, and call Ochs, Inc. to get conversion rates for your life insurance.
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More info...
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Less than three years of state service |
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If you are currently enrolled in the State Employee Group Insurance Program, receiving state-paid coverage and have less than three years of continuous service, you are eligible to continue health, dental and basic life insurance coverage for a period of 18 months at your own expense (there will be no employer contribution). After 18 months you may convert any health or life insurance which you continued to an individual policy at your own cost. To convert your coverage, call your health plan for conversion coverage and rates, and call Ochs, Inc. to get conversion rates for your life insurance.
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More info...
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