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 more...>About Us>Human Resource Management>Benefits>Insurance>

Life Insurance

Three life insurance plans are currently offered by the AgCenter.

  1. Prudential (through the Office of Group Benefits)

  2. LSU Supplemental Life (offered through The Hartford until 12/31/14; effective 1/1/15, UnitedHealthcare will administer the plan. See below.)


(Group Benefits)
 - A group life insurance plan is offered through the Group Benefits Program. Half of the premium is paid by the state for the employee's coverage. The employee must pay the entire premium for dependent coverage. The employee may select from two options with a maximum coverage of $50,000.
  • Coverage Levels and Rates

Coverage Type

Level of Coverage

Cost Per Month


Employee Coverage



Dependent Coverage

Option 1:  $1,000 for Spouse & $500 for each
                   eligible child

Option 2:  $2,000 for Spouse and $1,000 for 
                   each eligible child




Employee Coverage

To calculate the face amount, multiply annual salary times 1 1/2 and round up.  If the result is less than $21,000, add $1,000.  (Maximum Coverage is $50,000)

$.54 per $1,000

Dependent Coverage

Option 1:   $2,000 for Spouse and $1,000 for
                    each eligible child

Option 2:   $4,000 for Spouse and $2,000 for
                    each eligible child  



Effective 1/1/2015, UnitedHealthcare will administer the LSU System Life Insurance. The information below about the plan will be in effect for the remaining months of 2014. For more information about the plan offering effective 1/1/2015, please visit our Annual Enrollment page. 

(LSU System) - This plan provides an option for group-term life coverage for eligible employees. It provides a death benefit equal to the coverage amount in effect at the time of death and payable to the named beneficiary. Coverage amounts available range from $10,000 to $1,000,000. Premiums are age-rated. Also available is accidental death and dismemberment coverage.
Dependent life insurance can be purchased for the employee's spouse and children.  Coverage for children may be added anytime without proving Evidence of Insurability.   
  •  For The Hartford Forms and additional plan information, please visit the IMA website:  (Scroll to the bottom of the IMA website for forms)         

Eligibility for Enrollment

Employees appointed for more than 120 days and 75% of full-time or greater are eligible for enrollment.

Effective Date of Coverage

  • New employees have 30 days to either enroll for or waive coverage under this plan. Coverage is effective on the first day of the month after completion of one full calendar month of employment.
  • Employees who do not enroll for coverage within the first 30 days but who later wish to pick up coverage must complete pages 2 - 5 of the Evidence of Insurability form, send the entire document to the HRM office for completion, and wait to be approved for coverage.

This is optional life insurance coverage offered to all Louisiana Cooperative Extension Service appointed employees.  In addition to life insurance, it also provides for Accidental Death an Dismemberment (AD&D) coverage.

  • The effective date of coverage begins on the first day of the month following the date of employment.
  • The face amount of coverage reduces at age 65 and again at age 70 (or upon retirement at any age).
  • The AD&D portion of the coverage cancels at age 70 or upon retirement.
  • Coverage Levels and Rates


Coverage Amount

Cost Per Month

Under age 65

$5,000 Life Coverage with $5,000 AD&D Coverage


Ages 65 - 69

$4,000 Life Coverage with $4,000 AD&D Coverage


Age 70 & over or upon Retirement at any age

$3,000 Life Coverage Only 


Last Updated: 3/23/2015 2:20:21 PM

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