By law, employees in KPERS-covered positions become active members on their hire date. Active members contribute part of their salary to the Retirement System until they leave covered employment. At retirement, members will receive a lifetime monthly benefit.
Members also receive several other important benefits while they are still working.
What is it?
Basic life insurance provides insurance for active KPERS members paid for by the employer
Who is covered?
Basic life insurance covers all employees working in KPERS-covered positions and all employees participating in the Retirement System for Judges and the Board of Regents Retirement Plan, as well as legislators and State officers not in KPERS.
Standard Insurance Company (The Standard) administers KPERS life insurance benefit.
Note: Contact The Standard for printed copies of the Certificate of Coverage booklets for new employees.
The Standard Local Office
What is the coverage amount?
150% of the higher of:
Military service and other leave of absence
Basic life insurance continues while an employee is on active duty, at no cost to the employee. See Leaving KPERS-Covered Employment section of the Employer Manual for processing military and other leaves of absence.
Optional life insurance provides additional protection for employees beyond the basic life insurance. Employers affiliate for this benefit separately from other KPERS benefits. Not all employers participate. See affiliation and related dates, below. See the Optional Life Insurance section of the Employer Manual for details.
|Dates Employees Can Affiliate||Open Enrollment Period||Coverage Affective Date|
|January 1||April||July 1 (same year)|
|July 1||October||January 1 (following year)|
How much coverage can an employee apply for?
An employee can apply for as little as $5,000 and as much as $400,000 (in $5,000 increments).
When can members enroll in optional life insurance?
An employee can apply anytime with proof of good health. We call this underwritten insurance "anytime coverage."
Who pays the premium?
The entire cost of optional life coverage is paid by the employee through payroll deduction.
When does coverage become effective?
Good to know: Employees can reduce or cancel their coverage anytime.
After ending employment, an employee may continue life insurance coverage by:
Kansas law requires that employees be given at least 15 days notice before the policy expires, including ending employment, disability, leave of absences and moving to a non-covered position.
See the Leaving Employment section of the online Employer Manual for details and how this affects life insurance coverage.
If notice is not given in that time period, employees have until 15 days after given notice, or 60 days after the conversion period in which the policy expires, whichever occurs first, to convert their coverage.
What is it?
The Active Member Death Benefit provide payment to an active member's beneficiary after his or her death.
What does the beneficiary receive?
The beneficiary will receive an insurance lump-sum payment and the member's contributions and interest.
Surviving spouse benefit option
For the option, the member's spouse must be listed as the only primary beneficiary. Instead of receiving the member's contributions and interest in a lump sum, the spouse may choose a lifetime monthly benefit instead.
1 5 years for KPERS 3 2 KPERS 3 must wait for full/normal retirement age
These benefits are in addition to the basic life insurance, any optional life insurance and returned contributions and interest.
Benefits are paid in the order of preference:
KP&F Service-Connected Death Benefit
See KP&F changes that started July 1, 2017, and are retroactive to July 1, 2016, in the KP&F Employers Manual.
Includes KPERS members serving as police officers and firefighters.
What is it?
Optional and basic life insurance coverage provides payments to employees diagnosed as terminally ill with a life expectancy of 24 months or less.
Please have employees contact KPERS if they wish to apply for the accelerated death benefit.
Reporting a Death
If an active member dies, report it on the EWP.