Life Insurance

    Yale provides basic life insurance coverage at no cost to eligible faculty and staff with the option to purchase additional coverage. Learn more about your life insurance benefit when you retire from Yale.

    Supplemental life insurance

    As a new hire (or if you have a Qualifying Life Event), you can elect Supplemental Life Insurance coverage (within 60 days), for up to two times your annual earnings (the Guaranteed Issue Amount (GIA)), without Evidence of Insurability (EOI). Requests for increased coverage beyond two times your annual GIA require an EOI.

    Select your Job Classification for Additional Details:

    Faculty, Managerial and Professional, Police Command Staff, Cedarhurst Staff

    Insurance Detail
    Basic Life Yale provides $50,000 of basic term life insurance and accidental death and dismemberment coverage at no cost.
    Supplemental Life

    You can purchase Supplemental Life Insurance of up to six times your annual salary to a maximum of $2,000,000.

    Requests for any level of increased coverage (including up to the Guaranteed Issue amount of two times your annual salary) made outside of your 60-day new hire window or outside of a Qualifying Life Event, require you to provide EOI by completing and submitting a Medical History Statement. Your request must be approved to receive coverage.

    EOI will be waived if you meet one of the following criteria:

    • Request for coverage up to two times your annual earnings (Guaranteed Issue) within 60-days of hire.
    • Request for coverage up to two times your annual earnings (Guaranteed Issue) within 60-days of a Qualifying Life Event (if you were not previously denied for coverage).

    For requests to increase your coverage from three to six times your annual earnings, you must submit EOI.
    Spousal Life

    You can purchase an additional $25,000 or $50,000 spousal coverage.

    Dependent spouse: Requests for coverage made outside of your 60-day new hire window or outside of a Qualifying Life Event, require you to provide EOI by completing and submitting a Medical History Statement. Your request must be approved to receive coverage.
    Dependent Life

    You can purchase $5,000 or $10,000 in child life coverage.

    Dependent child(ren): EOI is not needed. The contribution amount is the same regardless of the number of children you cover.

    Postdoctoral Associates

    Insurance Detail
    Supplemental Life

    You can purchase Supplemental Life Insurance for up to six times your annual salary to a maximum of $2,000,000.

    Requests for any level of increased coverage (including up to the Guaranteed Issue amount of two times your annual salary) made outside of your 60-day new hire window or outside of a Qualifying Life Event, require you to provide EOI by completing and submitting a Medical History Statement. Your request must be approved to receive coverage.

    EOI will be waived if you meet one of the following criteria:

    • Request for coverage up to two times your annual earnings (Guaranteed Issue) within 60-days of hire.
    • Request for coverage up to two times your annual earnings (Guaranteed Issue) within 60-days of a Qualifying Life Event (if you were not previously denied for coverage).
    Spousal Life

    You can purchase an additional $25,000 or $50,000 spousal coverage.

    Dependent spouse: Requests for coverage made outside of your 60-day new hire window or outside of a Qualifying Life Event, require you to provide EOI by completing and submitting a Medical History Statement. Your request must be approved to receive coverage.
    Dependent Life

    You can purchase $5,000 or $10,000 in child life coverage.

    Dependent child(ren): EOI is not needed. The contribution amount is the same regardless of number of children you are covering.

    Clerical and Technical, Service and Maintenance

    Insurance Detail
    Basic Life Insurance Yale provides $5,000 of basic term life insurance and accidental death and dismemberment coverage at no cost.
    Supplemental Life

    You can purchase Supplemental Life Insurance for up to five times your annual salary.

    Requests for any level of increased coverage (including up to the Guaranteed Issue amount of two times your annual salary) made outside of your 60-day new hire window or outside of a Qualifying Life Event, require you to provide EOI by completing and submitting a Medical History Statement. Your request must be approved to receive coverage.

    EOI will be waived if you meet one of the following criteria:

    • Request for coverage up to two times your annual earnings (Guaranteed Issue) within 60-days of hire.
    • Request for coverage up to two times your annual earnings (Guaranteed Issue) within 60-days of a Qualifying Life Event (if you were not previously denied for coverage).

    For requests to increase your coverage from three up to five times your annual earnings, you must submit EOI.

    Security

    Insurance Detail
    Basic Life Yale provides $10,000 of basic term life insurance and accidental death and dismemberment coverage at no cost.
    Supplemental Life You can purchase Supplemental Life Insurance for up to five times your annual salary.

    Requests for any level of increased coverage (including up to the Guaranteed Issue amount of two times your annual salary) made outside of your 60-day new hire window or outside of a Qualifying Life Event, require you to provide EOI by completing and submitting a Medical History Statement. Your request must be approved to receive coverage.

    EOI will be waived if you meet one of the following criteria:

    • Request for coverage up to two times your annual earnings (Guaranteed Issue) within 60-days of hire.
    • Request for coverage up to two times your annual earnings (Guaranteed Issue) within 60-days of a Qualifying Life Event (if you were not previously denied for coverage).

    For requests to increase your coverage from three up to five times your annual earnings, you must submit EOI.

    Yale Police Benevolent Association (YPBA)

    Insurance Detail
    Basic Life Yale provides $50,000 of basic term life insurance at no cost and accidental death and dismemberment coverage. In addition, there is a “line of duty” accidental death and dismemberment coverage in effect.
    Supplemental Life Requests for any level of increased coverage (including up to the Guaranteed Issue amount of two times your annual salary) made outside of your 60-day new hire window or outside of a Qualifying Life Event, require you to provide EOI by completing and submitting a Medical History Statement. Your request must be approved to receive coverage.

    EOI will be waived if you meet one of the following criteria:

    • Request for coverage up to two times your annual earnings (Guaranteed Issue) within 60-days of hire.
    • Request for coverage up to two times your annual earnings (Guaranteed Issue) within 60-days of a Qualifying Life Event (if you were not previously denied for coverage).

    For requests to increase your coverage from three up to five times your annual earnings, you must submit EOI.