Eligible employees may enroll in The Standard’s voluntary life insurance at any time. However, employees must apply for coverage within sixty (60) days of employment, or reemployment if there has been a break in service of more than thirty (30) days, to automatically qualify for a set amount of coverage called Guarantee Issue ($150,000 for employee, $50,000 for spouse/domestic partner and $20,000 for a dependent child).

The effective date of coverage is the first of the month following approval of the application for coverage. The State Controller’s Office must receive the employee's enrollment information from The Standard by the 10th of the month for the coverage to be effective in the following month. Information received after the 10th delay the effective date to the first of the second month. Reenrollment or change in enrollment follows the same effective dates as enrollment. Premium payments are made through payroll deduction.

Premiums automatically cease when an employee goes on:

• Leave of absence without pay
• Temporary disability compensation
• Non-industrial disability leave
• Industrial disability leave, or
• Other non-pay status.

Premiums will resume once the employee returns to active pay status. Eligible employees who are granted a leave of absence without pay may continue their participation by making direct payments of the full premiums to the The Standard Life Insurance Company.