Child Life Insurance

Child Life Insurance can be purchased in the following increments:

Coverage AmountMonthly Cost

Employees must have optional life coverage to be eligible for child life coverage.

Employees may cover unmarried child(ren) who meet the following requirements:

  1. A child 6 months of age but less than 19 years old;
  2. A child who is 19 or more years old but less than 24 years old, enrolled in a school as a full-time student and primarily supported by the Employee;
  3. A child who is 19 or more years old, primarily supported by the Employee and incapable of self-sustaining employment by reason of a mental or physical handicap. (Proof of the child's condition and dependence must be submitted to the Insurance Company within 31 days after the date the child ceases to qualify as a Dependent for reasons 1 or 2 listed above.)

The term "child" means a child born to or legally adopted by the employee. The term includes a child during any waiting period prior to the finalization of the child's adoption. It also means a stepchild, including a Spousal Equivalent’s child, living with and financially dependent upon the Employee.

If both parents work for the University, dependents cannot have duplicate policies by being covered by each parent.