State Employee Group Insurance Program (SEGIP)
All benefits-eligible State employees are covered under the State Employee Group Insurance Program (SEGIP), which includes the following categories:
The Minnesota Advantage Health Plan offers coverage through three insurance carriers: Blue Cross Blue Shield of Minnesota, HealthPartners, and PreferredOne. Learn more.
There are two insurance carriers offering dental coverage to State employees: Delta Dental of Minnesota and HealthPartners. Learn more.
The pre-tax benefits offered by SEGIP can provide you with substantial tax savings by paying your health and dental plan premiums, eligible dependent care, medical, dental, and transportation expenses with pre-tax dollars.
But remember the IRS rule "use it or lose it". Because of the tax advantages of the pre-tax benefits, any contributions to Medical/Dental and Dependent Care pre-tax expense accounts that remain unclaimed by the end of a year will be forfeited. 121 Benefits administers the pre-tax plans listed below available to state employees. Should you have questions regarding any of these plans contact 121 Benefits or visit their web site.
730 2nd Ave. South, Suite 400
Minneapolis, MN 55402-2446
(800) 300-1672 (Customer Service)
The State offers a basic life insurance in which you are automatically enrolled at the time you become a benefits-eligible employee of Minnesota state government. We also offer additional (supplemental) life insurance which you may purchase through SEGIP on an optional basis.
Employee Basic Life
The State pays the full cost of basic group term life insurance for benefits-eligible employees who receive at least a partial employer contribution for health/dental coverage. The amount of this insurance is determined by the collective bargaining agreement or plan that covers your job, and is based on the amount of your annual salary.
If you are a manager, the State offers an employer paid life insurance benefit equal to 1 ½ or 2 times your annual salary. Check your collective bargaining agreement or plan to determine the amount of your state-paid life insurance and your eligibility for employer-paid coverage.
Additional Life Insurance for Yourself and Your Spouse
You may purchase additional life insurance for yourself and your spouse. Generally you may purchase this insurance in increments of $5,000 up to a total of $500,000. The amount of coverage you may purchase may vary by collective bargaining agreements and plans.
Child Life Insurance
You may purchase life insurance providing $10,000 of coverage for your insurance-eligible children or grandchildren. One child life insurance policy covers all of your dependent children, but not your spouse.
Coverage for newborns begins on the 15th day after birth. You may add child life insurance without evidence of good health within 30 days of the birth of a child or the placement of a child for adoption.
How much Life Insurance do I have?
The amount of basic or manager's life insurance is determined by the bargaining agreement or plan that covers your job, and is based on the amount of your annual salary. In addition to your basic or manager's life, you may have elected to enroll in additional employee, spouse, or child life insurance. Go to the Employee Self Service site. Sign in. Click on "Benefits", then "Benefits Summary". This screen will show your current coverage.
The Long & Short Term Disability Plans and the Manager's Income Protection Plan listed below are administered by The Hartford. For more information about the disability benefits you may contact the plan’s customer service.
The Hartford, P.O. Box 14305, Lexington KY 40512-4305. (800) 752-9713
Long & Short Term
There are optional short-term and long-term disability plans available to most benefits-eligible employees. The amounts and terms of disability insurance apply to most employees but there may be some variations, depending upon the terms and conditions of your employment. (If you are covered by the Income Protection Plan, special circumstances apply to you -- please see the information about "Manager’s Income Protection Plan" in the next section.)
- Disability Insurance Plan Information
- Short-term Disability Insurance Rates
- Long-term Disability Insurance Rates
Manager’s Income Protection Plan
Long-term disability and special basic life coverage are combined for employees covered by the Managerial Plan and the Administrator Plan. These combined benefits are called the Income Protection Plan (IPP).