Life Insurance

Basic Life and AD&D Insurance

Life and Accidental Death & Dismemberment (AD&D) Insurance helps protect you and your family's financial security in case of an accident, injury, or death. As an eligible faculty or staff member, you receive basic life and AD&D coverage at no cost to you through CIGNA; USF pays the full premium for both basic life and AD&D insurance.

USF offers Basic Life insurance in the amount of one times your annual salary rounded to the nearest $1,000, with the maximum benefit capped at $500,000. The AD&D benefit has the same coverage level.

Refer to the plan certificate for the low-cost, age-based rates and for the complete schedule of benefits. Evidence of Insurability (EOI) or a health questionnaire may be required if you elect coverage over the guarantee issue amount of $400,000 or if you enroll after your initial eligibility period. Life insurance coverage for faculty and staff, age 70 and older, will be reduced to 65% of the face value.

IMPORTANT: You must designate your beneficiary.

Life insurance beneficiaries can be added or changed at anytime of the year. A beneficiary is the individual(s) who will receive your life insurance benefits should something happen to you. Please review the Managing Life Insurance Beneficiaries job aid or watch the webinar to learn more.

Voluntary Life and AD&D Insurance

You may also elect Voluntary Life insurance and Voluntary Accidental Death and Dismemberment (AD&D) insurance, which are employee-paid plans to supplement your USF-provided life insurance.

The cost of voluntary life and AD&D insurance depends on your age and how much coverage you select. Voluntary Life insurance is offered in increments of $10,000, up to the guaranteed issue amount of $400,000, rounded to the nearest $10,000. Voluntary AD&D insurance is offered in increments of $25,000, up to a maximum of $250,000.


For more information, including the CIGNA insurance application, benefits summary, beneficiary form, and cost and coverage levels, please log into USFWorks - accessible from your myUSF dashboard. You may also visit the HR forms and benefits compliance information web pages.

Review the Managing Beneficiaries Job Aid

Watch the Adding and Managing Your Beneficiaries webinar