GROUP LIFE INSURANCE

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ABOUT GROUP LIFE INSURANCE

Most members of the New Jersey State-administered retirement systems are covered by group life insurance benefits.

AS AN ACTIVE EMPLOYEE — Group life insurance coverage may be of one or two types:

• Noncontributory Group Life Insurance is provided by the employer through the retirement system where there is no cost to the member for coverage;
  
  
• Contributory Group Life Insurance is insurance coverage for which the member pays all or part of the premium.
  
  For details, see the fact sheets listed below.

AT RETIREMENT — Group life insurance benefits are reduced for most members. For details, see the fact sheets listed below.

AT RETIREMENT OR UPON TERMINATION OF EMPLOYMENT — Group life insurance conversion privileges are available. For details, see the conversion information listed below.

GROUP LIFE INSURANCE PUBLICATIONS

The type of group life insurance that is available to a member and the specific life insurance benefits vary by retirement system. The following fact sheets contain information about the different Group Life Insurance benefits.

• Fact Sheet #58, Group Life Insurance (PERS and TPAF) Adobe PDF (39K)
  
  — Personal Insurance Contribution Remittance Card Adobe PDF (31K)
       For PERS and TPAF members on leave of absence
  
  
• Fact Sheet #59, Group LIfe Insurance (PFRS) Adobe PDF (31K)
  
  
• Fact Sheet #40, SPRS Death Benefits (SPRS) Adobe PDF (44K)
  
  
• Fact Sheet #61, JRS Survivor Benefits and Pension Options (JRS) Adobe PDF (47K)
  
  
• Fact Sheet #38, Alternate Benefit Program (ABP) Adobe PDF (42K)
  
  
• Fact Sheet #79, DCRP for PERS, TPAF, PFRS, and SPRS Members Adobe PDF (38K)
  
  
• Fact Sheet #80, DCRP for Elected and Appointed Officials Adobe PDF (34K)
  
  
• Fact Sheet #82, DCRP if Ineligible for PERS or TPAF Adobe PDF (44K)
  
  
• Fact Sheet #22, Waiver of Noncontributory Group Life Insurance over $50,000 (All Funds)
  Adobe PDF (28K)

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CERTIFICATES OF GROUP LIFE INSURANCE

To view or print a Certificate of Member Term Life Benefits,
click on the link for the retirement system in which you are a member.

• Public Employees' Retirement System (PERS) Adobe PDF (166K)
  
  
• Teachers' Pension and Annuity Fund (TPAF) Adobe PDF (166K)
  
  
• Police and Firemen's Retirement System (PFRS) Adobe PDF (162K)
  
  
• State Police Retirement System (SPRS) Adobe PDF (155K)
  
  
• Judicial Retirement System (JRS) Adobe PDF (64K)
  
  
• Alternate Benefit Program (ABP) Adobe PDF (160K)
  
  
• Defined Contribution Retirement Program (DCRP) Adobe PDF (78K)

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CONVERSION OF GROUP LIFE INSURANCE

If you are covered by group life insurance while employed, the coverage ends 31 days after you
cease employment (whether for reason of retirement, termination of employment, or leave of absence without pay). Most members have the option to convert group life insurance coverage to an individual policy with the Prudential Insurance Company before coverage would otherwise end. See the following fact sheet for details.

• Fact Sheet #13, Conversion of Group Life Insurance (All Funds) Adobe PDF (41K)
  
  
• Conversion of Group life Insurance Estimate Calculator

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