Miami provides basic life insurance coverage in the amount of 2 times your annual salary at no cost. Additional term life insurance may be purchased in an amount up to 5 times your annual salary. You may also purchase limited coverage for your spouse and children. Accidental Death and Dismemberment coverage in the case of accidental death or serious injury is also provided at no cost in the amount of 2 times your annual salary, with the option of purchasing additional coverage up to ten times your annual salary for you and your family.
Benefiiciary Change Form (PDF)
Enrollment in this coverage is voluntary and is in addition to the university-provided coverage. Enrollment can be done either as a new hire or newly benefit-eligible employee within 31 days of eligibility or during the annual open enrollment period in October of each year.
If you do not choose to enroll within the initial 31 days, you may elect to enroll later during our Open Enrollment period in October for the following calendar year, but you will be required to complete the health questionnaire required by the insurance company, no matter what coverage amount you choose.
If you choose coverage for your spouse or children you MUST first enroll with at least $10,000 coverage for yourself.
You may purchase up to 5 times your annual salary for Voluntary Life and 10 times your annual salary for the Voluntary Group Accident for yourself only, or for you and your family.