When can I apply for this insurance?
If you have not joined KU T.E.A. before, you can join and apply for all insurance plans at any time. If you are already a KU T.E.A. member, you can do so at any time but you will be required to complete a health questionnaire.
When do I pay the $1 fee?
Your one-time $1 membership fee is added to your first monthly premium.
Are all children covered with just one rate?
Yes, the premium paid for child coverage is based on the cost of coverage for one child, regardless of how many children you have. Children are covered through age 18 or through age 25 if a full time student.
Can a member purchase Term Life insurance or AD&D coverage on their spouse without purchasing coverage on themselves?
Yes, spouses are able to purchase a standalone policy without the Member purchasing coverage.
Is the rate monthly?
Yes, the premium rate is a monthly rate; however, you may pay any number of months at one time.
How do I pay for the benefits?
You have two options for payment for any of the benefits you sign up for. You can either pay the monthly premium by check or you may complete an ACH authorization and have the premium deducted monthly out of either your checking or savings account.
Do I have to answer any health questions?
No, if you are a new member of KU T.E.A. applying for coverage up to the guaranteed issue amount for either the Term Life Insurance and AD&D or Long-Term Care. However, you must complete the evidence of insurability form for any amount above the guaranteed issue. Limits are indicated in the rate information.
Is the coverage portable?
Yes, if you leave the University, you may take this valuable coverage with you at the same rates and benefit schedule.
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