The Group Insurance Board (Board) moved forward with the 5% increase to the employee premium rates effective April 1,2025. On August 19, 2019, the Board adopted a plan that authorized a 5% annual premium increase to the state plan effective April 2020 through 2028. This action was taken with the goal of maintaining and managing the program to a 100% funding level for each plan.

For rates effective April 1, 2025- March 31, 2026, please see Group Life Insurance Plan Monthly Rates (ET-2164).

Spouse and Dependent Coverage

The premium for Spouse and Dependent coverage will remain the same as the current rate of $2.10 per unit.

Employer Contribution

The state employer contribution for basic coverage is an amount equal to 65.25% of the employee-paid premium. The contribution for supplemental coverage is 37.25% of the employee premium. This employer rate is unchanged from 2024.

Lifestyle Benefits for State Employees

Since 2011, Securian Financial has offered Lifestyle Benefits services, a group of additional services to state employees enrolled in the life insurance plan and their immediate family members at no additional cost. The services include legacy planning resources, legal, financial and grief resources, travel assistance, and beneficiary financial counseling.

Securian contracts with providers to offer these services at no additional cost to employees. There are no administrative responsibilities for ETF or employers. The services are optional. The service providers do not receive any personal employee information, and the providers will not initiate contact with employees.

Introducing Empathy 

Empathy is a service that offers a comprehensive support system for preparing for a loss and after the loss of a loved one. 

Empathy offers bereavement support by providing insured individuals and beneficiaries personalized guidance and care for the administrative, emotional, legal, and financial challenges both when preparing for a loss and after a loved one passes away.  

Insured individuals and beneficiaries gain access to a dedicated Care Manager, who provides guidance through the emotional and practical challenges of a loss. Users receive a personalized, step-by-step Care Plan tailored to their unique situation and needs.

There is no additional cost to members to utilize this service.