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Life Insurance

Fully insured ING Life Insurance Plan

We partnered with ING to provide members a new fully insured Life Insurance Plan. The ING Life Insurance Plan replaces your current State Life Insurance Plan. Members who currently have life insurance do not need to do anything--your benefits and rates will remain the same. In some cases, your rates may be less than you are paying now.

To view your current Life Insurance Coverage:

Important information:

The new ING Life Insurance Plan is portable meaning members can continue the policy on their own when they end employment with the state. If you have questions, please call Risty Benefits at 866.237.9411.


Basic Life Coverage:

A Basic Life Coverage of $25,000 is provided to Benefit Eligible Employees by the State of South Dakota.

Supplemental Life Coverage:

The Employee may choose Supplemental Life Coverage equal to two, three, four, or five times annual earnings (rounded to the next highest multiple of $1,000, but in no event shall the amount of coverage exceed $400,0000.)

To enroll for coverage under this Plan:

NEW HIRES within the first 30 days of hire date may:

EXISTING EMPLOYEES anytime during the plan year may:

Dependent Life Coverage:

Employees who are covered under Supplemental Life Coverage may elect $10,000 Dependent Life Coverage.

To enroll for coverage under this Plan:

You must be enrolled in Supplemental Life Coverage-see above on how to enroll.

Accidental Death and Dismemberment (AD&D) Coverage :

Employees who are covered under Supplemental Life Coverage may elect AD&D Coverage.

To enroll for coverage under this Plan:

AD&D Coverage must equal the Supplemental Life Coverage selected.

If you enroll in AD&D, your AD&D Coverage will apply to Dependent Life Coverage as well, if applicable.

You must be enrolled in Supplemental Life Coverage-see above on how to enroll.

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