Group Life Insurance (Includes Legacy Planning and Travel Benefits)

At NKY Health, we're happy to provide all full-time employees with a free Group Life Insurance policy. This coverage, which includes $20,000 of accidental death and dismemberment coverage, is on us! This coverage, provided through Minnesota Life via OCHS, becomes effective on the first day of the month after your first full month of employment. For example, if your start date is May 10, your benefits begin on July 1. To ensure you're covered, it's essential that you actively enroll in the plan.

For a complete look at the policy, you can always refer to Section 4.2.2 of NKY Health's Guide to Personnel Policies.

Additional Coverage for You and Your Family

Beyond the base coverage, you have the option to purchase supplemental term life insurance for yourself and your eligible dependents whenever you want. You can enroll at any time; however, be aware of the "enrollment period." 

For your first 31 days, you have a special opportunity! You can enroll for a certain amount of additional coverage without any medical exams or health questions. We call this 'Guaranteed Issue.' Here are those special amounts: 

• For you: up to $150,000

• For your spouse: up to $25,000

• For your children: all coverage amounts are guaranteed!

After these first 31 days, or if you want more coverage than the amounts listed above, you'll need to submit some health information for approval. If you opt for additional coverage, the cost will be split evenly across your first two paychecks each month, with deductions starting when your coverage begins. 

Please keep in mind:

• If your additional coverage is based on a multiple of your annual salary, the amount of coverage and the premium will be adjusted in January following any salary change.

• Premiums for additional coverage may change as you get older, based on the age bands described in the plan's brochure.

We also offer other optional benefits through our voluntary personal insurance provider, so be sure to check those out as well!

Welcome! Enrolling in your group life benefits is a key step, and we're here to help make it as smooth as possible. Follow these three simple steps to elect and enroll in your coverage.

Step 1: Fill Out Both Forms

•  Group Life Enrollment Form: Download and fill out this form. 

  • Section A: This section is for your coverage. Leave the numbers in Column 1 as they are. In Column 2, enter the additional coverage you want. If you only want the basic plan, write '0'. Column 3 is the total of Column 1 and Column 2. Be sure to enter your benefits effective date in all four required fields.

  • Section B (Spouse): Complete this if you are electing coverage for your spouse. 

  • Section C (Children): Complete this if you are electing coverage for your children.

• Group Life Beneficiary Designation Form: Download and fill out this form. 

• Important: The percentages you assign to your beneficiaries must add up to 100%.

Step 2: Sign and Send Both Forms to HR

Once both forms are complete, sign them with a blue or black pen. You must submit both forms together. 

• Email: Scan both signed forms and email them to HR@nkyhealth.org.

We will review your forms and fax them to our group life representative for processing.

Step 3: Keep Your Copies

After you have submitted your forms, be sure to keep the original signed copies with your important papers for your records.

Extra Information

• Evidence of Insurability (EOI): If you're electing additional coverage after your first 31 days of employment or a coverage amount above the guaranteed issue limit, you may need to complete a "Evidence of Insurability" form. This form must be sent directly to Minnesota Life Insurance, not to HR.

• Questions? If you have any questions, don't hesitate to reach out to HR@nkyhealth.org. We're here to help you navigate this process.

Changing your group life coverage is a simple process, and we're here to help you through it. You can decrease or stop your coverage at any time. You can also increase your coverage at any time, subject to approval by underwriting. 

To get started, just follow these easy steps:

1. Download and fill out the Group Life Enrollment form. You can enter the information right on your computer.

2. Complete the "Voluntary Life" section:  

   • In Column 1, enter your current amount of voluntary coverage. 

   • In Column 2, enter the amount you want to add or subtract.

   • Column 3 should be the new total of Column 1 and Column 2. 

   • Enter the first day of a future month as the effective date.  

3. Print and sign the form using a blue or black pen. 

4. Submit the form to HR. 

5. Keep the original signed form with your important papers.

A quick note: If you're adding coverage after 31 days of your hire date or electing an amount above a certain limit, you may need to complete an Evidence of Insurability form. This form is submitted directly to Minnesota Life Insurance, not to HR. 

The employee is automatically the beneficiary for any insured spouse or dependents.

Changing your beneficiary is a simple and important step to ensure your life insurance benefits go to the person you choose. You can update this information for your own insurance at any time. 

Here's how to change your beneficiary:

1. Download and fill out the Group Life Beneficiary Designation form. You can enter the information right on your computer.

2. Make sure your percentages add up to 100%.

3. Print and sign the form using a blue or black pen.

4. Submit the form directly to Securian as instructed on the form.

5. Keep the original copy of the signed form with your important personal papers.

We understand that making a claim is often done during a difficult time, and our priority is to make the process as smooth as possible for you.

To help, we recommend that employees or their family members report claims directly to NKY Health. By starting the process with us, we can quickly get all the required documentation to the insurance company and work on your behalf to ensure everything is taken care of smoothly.

You can also contact the claims department directly.

For assistance with a claim, please use one of the options below:

• To start a claim with NKY Health directly: 

Please contact us at hr@nkyhealth.org.

• To contact the claims department directly: 

Call 1-888-658-0193.

If you have other questions about your coverage, please refer to the Contact Information section.

Our Group Life benefit through Minnesota Life provides more than just a policy—it offers valuable resources to help you and your family plan for the future.

Securian Financial provides a range of online tools, including information on:

• End-of-life planning

• Making final arrangements

• Important directives

• Support for survivors

After a claim is filed, these additional services are available by phone to beneficiaries to help ease the process:

• Funeral Concierge: Allows for coverage verification and direct payment to a funeral home so services can proceed without delay.

• Express Assignment™: A same-day service that assists with funeral expenses by working directly with the funeral home or a lending agency.

Learn more and access these tools at: securian.com/legacy

Your Group Life benefit through Minnesota Life is about more than just a policy—it’s about providing you with support for a healthier, more secure life. That’s why you and your family have access to a variety of confidential, no-cost resources from TELUS Health.

Whether it's a legal or financial challenge, coping with loss, or simply working on your personal well-being, TELUS Health offers professional consultations and a wealth of online tools via web or mobile app.

What’s available?

• Legal: Get free 30-minute consultations and access an online library of templates for wills, powers of attorney, and more.

• Financial: Speak with a financial counselor about topics like budgeting, credit management, retirement planning, and taxes. You can also take an online financial assessment.

• Grief support: Receive phone support from master’s-level clinicians to help you through the grieving process and get referrals to community resources.

• Well-being: Dive into digital resources that include a total well-being assessment, self-guided programs for managing stress and anxiety, and personalized fitness journeys with live coach support.

Ready to get started? If you are enrolled in Group Life Insurance through NKY Health, contact Securian directly to learn more or to use these benefits.

How to Access:

• Toll Free: 1-877-849-6034

• Website: lifebenefits.com/lfg

• Username: lfg

• Password: resources

(When prompted, please provide your group name: "NKY Health.")

Minnesota Life contracts with RedpointWTP LLC (Redpoint) to provide 24/7 online, pre-trip resources and support for emergency travel assistance and other services when traveling 50+ miles from home.

Services include:

• Pre-trip planning and trip support: Get passport, visa, immunization and currency conversion info.

• Medical evacuation services: Pre-hospital/rental vehicle assistance, transport to nearest appropriate medical facility once hospitalized, mortal remains repatriation, return of dependent children/pets, family member visitation, and travel companion transport.

• Security evacuation services: Transfer to nearest safe area, ID theft support and assistance replacing lost/stolen luggage.

Toll Free Inside US and Canada:           (855) 516-5433 

Collect Outside the US and Canada:    (415) 484-4677 

Website for pre-trip information:        Lifebenefits.com/travel

Before traveling, contact Redpoint to learn more and add this contact information to your phone.

Please contact member services with questions about coverage, claims, and fees.

Main: (651) 665-3789

Toll Free:            (800) 392-7295

Claims Dept: (888) 658-0193

Email:                ochs@ochsinc.com
Fax:                     (651) 665-3791 OR (651) 665-4827

Mail:

Securian Financial Services

Group Customer Services

400 Robert Street N 

Suite 1880

St Paul, MN 55101-2025

NKY Health Insurance Coordinators (ICs): for questions about how to enroll in/elect or change benefits and related payroll withholdings. 

9/16/2025 - Updated instructions & refreshed forms, policies, etc. with assistance from OCHS.