Supplemental Life
The Union Benefits Trust offers you two types of life insurance. The supplemental life insurance product is an additional layer of coverage that you may purchase before the basic life kicks in, or to supplement your basic coverage.
If you are eligible, you can buy coverage for yourself, as well as your eligible dependents. To elect supplemental life insurance for your dependents, you must be covered under or enrolling in supplemental life insurance for yourself. Dependent coverage is also eligible for portability, or can be converted when you leave State service.
You can purchase coverage for yourself (the member) in $10,000 increments as follows:
At hire: As a new employee, you have 90 days from your date of hire to purchase coverage up to three times your basic annual earnings or $150,000, whichever is less without Evidence of Insurability (proof of good health). With proof of good health, you may purchase up to eight times your annual earnings or $600,000, whichever is less. New hires can enroll online at Prudential. To register or login, enter your Social Security Number and your personal identification number (PIN).
Your PIN is a combination of the last 4 digits of your Social Security Number and the 2-digit year of your birth. For example, if the last 4 digits of your SSN are 3214 and you were born on September 21, 1968, your Pin would be “321468”. If you are having trouble logging on the system, contact Prudential (844-533-4UBT) for assistance.
At each Open Enrollment: You may purchase coverage up to two times your annual earnings or $150,000, whichever is less without Evidence of Insurability (proof of good health). With proof of good health, you may purchase up to eight times your annual earnings or $600,000, whichever is less.
Supplemental life insurance for your spouse is available at the $10,000 coverage amount without evidence of insurability, or $20,000, $30,000 or $40,000 (your choice) with acceptable evidence of insurability. $7,000 coverage for each eligible child at least 15 days old is also available. Your dependents must meet the Trust’s eligibility requirements as described in the Eligibility section.
You must choose life insurance amounts for yourself and your spouse in increments of $10,000. Prudential reserves the right to amend your premium by rounding up to the next higher $10,000 or within the maximums, if necessary.
Rates are age-based for you and your spouse. The cost of supplemental life insurance will increase when you or your spouse reach the next age bracket.
The monthly cost for supplemental life insurance for you and your dependents is based on age, amount of coverage you select and whether or not you or your spouse use tobacco products. Use the cost and worksheet to figure out what your monthly contributions for supplemental life insurance are likely to be. You should only carry as much insurance as you need. By clicking here, Prudential can help you determine what amount of insurance is right for you and your family. You will need your State of Ohio user ID number, your date of birth (MM/DD/YYYY) and access code 01049.
Notes on Supplemental Life Insurance
- Term insurance offered at low group rates.
- Protection for you and your family.
- You set the amount based on your needs and plan limits.
- You can port the coverage to an individual policy if you leave State service.
When Coverage Begins
Life Insurance Calculator | Prudential Financial
Making Changes
When Coverage Ends
Accelerated Death Benefits
Limits & Exclusions
See your plan booklet. For the final authority, refer to your booklet/certificate from Prudential.

Coverage will begin the first of the month following your first payroll deduction, provided you, the member are actively at work. Dependent’s coverage will begin on the same date as yours, provided they are not confined for medical treatment.
Beneficiary Designation
Benefits are paid to your designated beneficiary in the event of your death. Beneficiary designations can be made or changed online 24/7/365 for both basic and supplemental life insurance benefits by clicking here. You will need your State of Ohio user ID number, your date of birth (MM/DD/YYYY) and access code 01049. Paper designation can be made by completing the Beneficiary Designation Form and mailing it to the address on the form. Your change becomes effective when Prudential receives your designation form.
If you don’t name a beneficiary or none of your beneficiaries survives you, equal payment is made to the first of the following: spouse, children, parents, brothers and sisters, your estate. If you elect dependent life coverage, you are automatically the beneficiary of your spouse and children; otherwise, the estates of your spouse and children are their beneficiaries, subject to policy provisions.
To Collect Benefits
To report a death, please call Prudential at 844-533-4UBT (4828) Toll Free.