Life and Disability Insurance: If you elect supplemental life insurance, you may also elect dependent life insurance for your spouse/domestic partner and child(ren).

Basic Life Insurance

At no cost to you, NYU provides all eligible employees with basic life insurance coverage of $50,000, administered by The Prudential Insurance Company of America.

Supplemental Life Insurance

If you enroll in or increase your supplemental life insurance you will be required to provide evidence of insurability (EOI), or proof of good health, to Prudential through EOI Connect, available to supplemental life participants on the Benefits Resource Center. Any new amount you elect will not be in effect until EOI has been received and approved by Prudential. 

During the Annual Enrollment period, employees with a current supplemental life benefit may increase coverage by a $5,000 increment without providing Evidence of Insurability (EOI). You can decrease your coverage at any time. New enrollees may elect $5,000 coverage without providing EOI.

If you elect supplemental life insurance, an equal amount of Accidental Death & Dismemberment (AD&D) insurance is automatically included. The monthly cost for supplemental life and AD&D insurance will be determined by the amount elected in accordance with the following schedule. Rates are per $1,000 of insurance.

Coverage Amount Payroll Deduction / month
$5,000 $0.53
$10,000 $1.05
$15,000 $1.58
$20,000 $2.10
$25,000 $2.63
$30,000 $3.15
$35,000 $3.68
$40,000 $4.21
$45,000 $4.73
$50,000 $5.26
$55,000 $5.78
$60,000 $6.31

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Long-Term Disability Insurance

You are covered by the long-term disability (LTD) plan after three months of full-time continuous service.

  • If you are deemed totally disabled by NYU’s long-term disability insurance carrier, Lincoln Financial Group, you will receive 50% of your monthly base salary each month, up to a maximum of $250 per month.
  • There are maximum benefit periods based on age at time of disability. If you are age 64 or younger, the maximum benefit period is five years; if you are age 65 through 68, the maximum benefit period is up to age 70 but not less than one year; if you are age 69 or older, the maximum benefit period is one year.