For More Information

Nadynne Stamps
Benefits Specialist
(781) 736-4467


Life Insurance

Brandeis University provides group term-life insurance to eligible staff and faculty. The formal plan governs entitlement to benefits, benefit levels and other life-insurance coverage matters.

Plan details are below.

For more information, please contact Brandeis Benefits Specialist Nadynne Stamps, 781-736-4467,

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Regular full-time and benefits-eligible part-time employees are automatically enrolled in the basic group term-life insurance plan on the first day of the month that coincides with or immediately follows their first day of employment. A life insurance card should be completed and submitted to the Office of Human Resources Benefits section. If no beneficiary is elected, upon the employee's death the benefit will be made payable to the employee's estate and subject to all regular federal and state taxes.

Basic Coverage

The university pays the entire cost of this portion of the plan. The maximum amount of basic non-contributory insurance is $250,000.

Supplemental Coverage

The plan also provides the option to purchase an additional amount of term-life insurance in increments of $20,000, $50,000, $100,000, and $200,000. Medical evidence of insurability is not required for any amounts under $200,000 at the time of initial eligibility. Application for the $200,000 level of coverage, as well as other levels of coverage when applied for outside the period of initial eligibility, is subject to medical evidence of insurability. The employee contribution is based on attained age and will change as the age changes in accordance with monthly premiums:

Age Schedule
Under 30
30 to 34
35 to 39
40 to 44
45 to 49
50 to 54
55 to 59
60 to 64
65 to 69

The basic non-contributory amount (maximum $250,000) and additional optional insurance coverage may not exceed a combined maximum of $450,000.

Supplemental Insurance for Employees 70 and Over

When the employee reaches age 70, the in-force coverage will be reduced by 50 percent, the rate is calculated according to the new benefit level:

Age Amount of Coverage
Up to age 70 2x annual base salary or $30,000, whichever is higher
Age 70 to retirement 50% of in-force coverage (basic and supplemental)
Accidental Death and Dismemberment Insurance

Your basic life insurance coverage (excluding supplemental life insurance) also includes an accidental death and dismemberment insurance benefit. For more information, refer to the life insurance certificate.

Designating Beneficiaries

You may designate any beneficiary other than the university. This designation may be changed at any time in Workday.

Group Life Insurance Taxation

FICA: The Omnibus Budget Reconciliation Act of 1987 mandates that premiums paid for an employee's group life insurance coverage in excess of $50,000 are considered income and subject to Social Security (FICA) taxes. FICA taxes will be deducted on a per-pay-period basis for those staff who have life insurance in excess of $50,000 and who have not paid the maximum FICA tax for the year.

Federal & State Taxes: The premiums paid for an employee's group life insurance coverage in excess of $50,000 are considered income, are subject to federal and state taxation, and will appear on an employee's W-2 Form as imputed income for the calendar year.