Human Resources

Life Insurance

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Life Insurance and Disability Vendor

UNUM will be our Life Insurance and Disability Vendor effective January 1, 2020.

The Benefit Teams from each of the IUC universities have collaborated on a Benefit Aggregation initiative working with the IUC Purchasing Group. The objective is to maximize our purchasing power with regard to vendor selection focusing on improved costing and services. This past summer, the IUC universities kicked off this initiative with a unified bid process for Life Insurance and Disability benefits. All 14 universities participated with 13 universities committing to the selected vendors effective January 1, 2020. For Wright State, we are retaining UNUM as our Disability carrier and also have contracted with UNUM as our new Life Insurance provider. Both of these benefits are available to employees that work annually 75% or more on a full-time equivalent basis. 

We have created a Summary of Changes and an easy reference Checklist for Required Actions during this open enrollment. Also, you can click on the links for the UNUM Enrollment Form and the Voluntary Premiums.

Below is a summary of the benefits with changes with the required actions noted.

Basic Life and Accidental Death and Dismemberment (AD&D) Insurance

At no cost to you, Wright State will continue to provide Basic Life and AD&D Insurance as follows:

  • Staff and fiscal faculty receive 2 times their base salary for Basic Life and AD&D insurance
  • Academic Faculty receive 2.44 times their base salary for Basic Life and AD&D insurance
  • Maximum benefit is $400,000

Supplemental Term Life Insurance

Wright State will continue to offer supplemental Term Life Insurance with UNUM.  The coverage options of 1, 2 or 3 times your base salary will continue to be offered up to a maximum of $300,000 and the premiums will remain unchanged.  Coverage for current Term Life enrollees will automatically transition to UNUM.

Life Insurance coverage can be added, increased, decreased, or terminated during open enrollment.  For this year, UNUM is waiving the Evidence of Insurability (EOI) requirement for supplemental Term Life if the total coverage with the addition is below $200,000.  In future years, you will be required to submit EOI to add supplemental Term Life.

Current Group Universal Life (GUL) Insurance Participants – Plan terminated as of 12/31/2019

UNUM does not offer a GUL Life Insurance product.  Therefore, your Wright State-sponsored GUL will end on December 31, 2019, however, Securian will offer you the ability to continue this coverage as an individual policy.  Current enrollees will receive a letter mailed from Securian with detailed information.

To ensure your current coverage continues, current GUL enrollees will automatically be enrolled in UNUM supplemental Term Life, without the requirement for evidence of insurability (EOI).  However, if you elect to transition all or a portion of your GUL coverage with Securian, you will also need to decide if you want to retain, reduce or decline the UNUM Term Life coverage by completing the UNUM Life insurance form.

Dependent Life Insurance

Wright State will continue to offer Dependent Life Insurance for your spouse and/or eligible children. The current offering is bundled between spouses and children. Beginning January 1, you have the option to elect spouse and child(ren) coverage independently or continue to elect both.  

The premiums for this coverage in total have not changed, but they have been divided among the two offerings. Carrying coverage for your children is a lower premium than coverage for a spouse. Thus, if you were selecting dependent insurance for your children but did not have a spouse, or the reverse, you were electing dependent insurance for your spouse but did not have eligible children; you will now see a decrease in your premiums.

And if you choose to continue covering both in 2020, the premiums will remain unchanged unless there is an age adjustment. Premiums continue to be based on the employee’s age as of December 31.  

If you have any questions, please email


Disclaimer: The benefits information contained in this site provides a summary for employees of Wright State. This information does not list all the provisions and does not supersede the individual provisions of our group insurance contracts, benefit plans and university policies that it describes. Similarly, the information presented does not guarantee that the university, the state of Ohio, and/or others responsible for these contracts, plans, programs, and policies will not make future changes in the provisions applicable to each.