If a covered employee becomes totally disabled, he may be eligible to retain the same amount of term life insurance coverage he has as an active employee. The employee should apply at least 31 days before leaving employment as an active employee. If application is made more than 31 days after coverage as an employee has terminated, the right to apply for coverage as a totally disabled employee will be forfeited. To apply for continuation of coverage, the employee must complete a life insurance Enrollment/Change Request Form, a Group Disability claim form, and have his doctor complete an Attending Physician's Statement. Forms are available on the Plan's website at [https://www.dfa.ms.gov/insurance](https://www.dfa.ms.gov/insurance), or may be obtained from the employee's Human Resources office. The employee should submit all three forms to his Human Resources office, which is responsible for providing additional information on the forms before sending them to the Mississippi Department of Finance and Administration, Office of Insurance.
The Office of Insurance will likewise provide additional information and forward these documents to Minnesota Life for evaluation and a determination of disability. Additional medical information supporting the disability claim may be requested from the employee by Minnesota Life. Minnesota Life will notify the employee, the employer, and the Office of Insurance of their decision.
If the employee is approved by Minnesota Life for continuation of coverage as a totally disabled employee, the Office of Insurance will contact him with instructions on how to initiate his coverage. He will be required to make a one-time premium payment equivalent to nine times the applicable monthly premium based on the amount of life insurance coverage currently in force as an active. After that, his premiums will be waived until he is deemed by Minnesota Life to be no longer disabled or reaches age 65, whichever comes first. Minnesota Life is the sole authority for evaluating disability continuation of term life insurance coverage applications.