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Life Insurance

Eligible employees may purchase Basic Life Insurance, Accidental Death & Dismemberment Insurance (AD&D), and Supplemental Life Insurance as follows:

  • Basic Life Insurance: Employees may purchase basic life insurance up to the value of their annual salary rounded to the next higher $1,000. The basic life insurance coverage becomes effective the first day of the next biweekly pay period following the date of hire. Employees will automatically be enrolled in this program unless a waiver form is completed. If an employee decides to elect coverage 31 or more days after becoming eligible, proof of good health may be required before coverage can become effective.
  • Accidental Death & Dismemberment Insurance (AD&D) Employees who purchase Basic Life Insurance are automatically enrolled in AD&D. AD&D coverage pays a benefit if an employee dies or suffers certain injuries - such as loss of limbs or eyesight - as a result of an accident.
  • Supplemental Life Insurance: While new employees or employees who had not purchased supplemental life insurance before July 1, 1996, have the option to purchase up to the value of their basic annual earnings, rounded to the next higher $1,000, employees who purchased supplemental life insurance prior to July 1, 1996, may continue coverage at those levels. The supplemental life insurance maximum is $150,000; combined basic and supplemental life insurance maximum is $300,000.

Employees who choose to participate in one or more of these plans will have premiums automatically deducted from their paycheck each pay period. This plan also allows for the option of purchasing the first $50,000 of life insurance on a taxed or pre-tax basis.  However, if the pre-tax option is selected, tax implications may apply at the time a benefit is paid out. If employees prefer not to deduct insurance payments on a pre-tax basis, the sign-up form must so indicate; otherwise, it will automatically be processed on a pre-tax basis.

Details of the Basic Life Insurance, Accidental Death & Dismemberment Insurance, and Supplemental Life Insurance plans including benefit levels and associated costs are described in the summary plan description provided to eligible employees.

To learn more, visit the State of Rhode Island's Life Insurance web page at