Welcome to the State of Minnesota Optional Benefits Site

Enroll for Life Insurance, Optional AD&D and Short Term Disability anytime during the year.

CLICK HERE to download and print the Optional Application.

Life Insurance

CARRIER: Securian Financial, underwritten by Minnesota Life Insurance Company

 

COVERAGES:

  • Employee Optional Term Life*
  • Spouse Term Life*
  • Child Term Life
  • Optional Accidental Death & Dismemberment (AD&D)

*Life amount includes a matching AD&D benefit

 

DOWNLOAD & PRINT 

from the Links below

 

Plan Summary and Rate Grids:

Forms and Value Adds:

 Certificates:

RESOURCES:

 

CONSIDERING RETIREMENT?

Click the button link options below for useful information and print the pages you need.

 

Disability Insurance

CARRIER: The Hartford

 

COVERAGES:

Short Term Disability (STD)

Long Term Disability (LTD)

 

DOWNLOAD & PRINT 

from the Links below

 

Plan Summaries:

Forms:

Certificates:

RESOURCES:

VIRTUAL BENEFITS MEETING 

Click the button link below to learn more about your optional benefits and how to enroll outside of your open enrollment period.

NEWLY ELIGIBLE?

Click the button link options below to learn about your optional benefits and how to enroll in the limited-time guaranteed issue opportunity.

STILL HAVE QUESTIONS?

 

Contact OCHS
651- 665-3789

1-800-392-7295

or

ochs@ochsinc.com

Term Life

During the open enrollment period, elect or increase Guaranteed Issue coverage amounts in self service. For amounts beyond the guaranteed issue limits, or when enrolling outside of the open enrollment period, complete the Optional Application. Proof of good health (evidence of insurability) will be required.

Short Term Disability

During the open enrollment period, or anytime during the year, enroll by completing the Optional Application. New coverage or increases in coverage with require proof of good health (evidence of insurability).

Optional AD&D

During the open enrollment period and anytime throughout the year, elect or increase coverage Guaranteed Issue by completing the Optional Application. Proof of good health (evidence of insurability) is never required for Optional AD&D.

Long Term Disability

During the open enrollment period, elect or increase coverage Guaranteed Issue in self service. Proof of good health (evidence of insurability) is never required, however, a 2 year pre-existing conditions clause will apply to increased benefit amounts. LTD elections or increases can only be made during the open enrollment period.

 HOW TO ENROLL:

Complete the OPTIONAL APPLICATION and submit it to Minnesota Management & Budget. If applicable, you will receive the Evidence of Insurability form in the mail, from the insurance company, with instructions.

NOTE: New employees and newly eligible employees have a one-time opportunity to enroll for limited amounts of coverage Guaranteed Issue, no evidence of insurability needed.  New hires must enroll within 35 days from their employment date and employees who become eligible at a later date must enroll within 30 days of the qualifying employment status change date.

Life and Accidental Death and Dismemberment Insurance products are issued by Minnesota Life Insurance Company or Securian Life Insurance Company, a New York authorized insurer. Minnesota Life is not an authorized New York insurer and does not do insurance business in New York. Both companies are headquartered in St. Paul, MN. Product availability and features may vary by state. Disability products are issued by The Hartford. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues. Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates. Minnesota Life Insurance Company and Securian Life Insurance Company are affiliates of Securian Financial Group, Inc.