Life Insurance

If you are an employee of a participating entity of the state of South Carolina, you can enroll in the Optional Life Insurance Plan within 31 days of the date you are hired.

To enroll:

  • You must complete the required forms.
  • Coverage is not automatic. You can elect coverage, in $10,000 increments, up to the lesser of three times your basic annual earnings (rounded down to the nearest $10,000) or $500,000 without providing medical evidence of good health.
  • You can select a higher benefit level, in increments of $10,000, up to a maximum of $500,000, by providing medical evidence of good health.
Your coverage begins on the first day of the calendar month coinciding with or the first of the month following the date in which you enroll in the Optional Life plan.

If you enroll for an amount of coverage that requires medical evidence of good health, your coverage effective date for the amount requiring medical evidence will be the first of the month following approval.