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Life Insurance, Optional Life Insurance, Long Term Disability

Core Life Insurance


Core Accidental Death and Dismemberment

One times an employee's annual base salary up to a maximum of $300,000. Salaries are rounded up to the next higher multiple of $1,000. The Core Life Insurance Premium is paid by Duquesne University.

One times an employee's annual base salary up to a maximum of $300,000. Salaries are rounded up to the next higher multiple of $1,000. The Core AD&D Premium is paid by Duquesne University.

  • Loss of life, both hands, feet, eyes result in 100% of coverage level (in addition to life insurance benefit for loss of life)
  • Loss of one hand, one foot, one eye 50% of coverage level

Optional Supplemental Term Life Insurance

Additional 1/2, 1, 2, 3, 4, 5 or 6 times the employee's annual base salary
Maximum $1,500,000
Medical Evidence of Insurability

A Medical Evidence of Insurability or MEI is required if the amount of life insurance is over the lesser of 3 times the employee's annual base salary or $300,000. A Medical Evidence of Insurability is also required if an employee is increasing their election amount more than one level during Open Enrollment.

Imputed Income IRS requires that the cost of employer sponsored term insurance in excess of $50,000 be treated as imputed income. This amount is shown on your pay stub and will be reported to the IRS on your W-2 form. Contact the Payroll Department at 412.396.6579 to determine the taxable value of your term life insurance over $50,000. Click here for a step by step calculation for your imputed income. 

Optional Spouse Life Insurance

Options Include $10,000, $20,000, or $30,000

Optional Dependent Child Life Insurance

Options Include $2,000, $5,000, or $ 10,000 per eligible child

Long Term Disability

Long Term Disability replaces a portion of your income if illness or accident prevents you from working for an extended period of time.
Core 50% of base salary
Maximum of $5,000 per month
Premium is paid by Duquesne University
Buy Up Option 

60% of base salary
Maximum of $12,000 per month

Employee is responsible for applying for LTD benefits. LTD claim forms are available from the Disability Claims Manager. To contact the Disability Claims Manager, call extension 6677 or email benefits@duq.edu. 

MetLife offers grief counseling for all benefits eligible employees, their dependents and beneficiaries at no cost. View details below.