Life Insurance Open Enrollment: April 1 – May 31
Help your employees protect what matters most.
Open Enrollment for Unum Life Insurance is the opportunity for your employees to secure affordable protection that can supplement the coverage you offer to employees and that they can take with them into retirement. Please share the information below with your employees in April so that they can take advantage of this affordable benefit.
The PERA life insurance program, administered by Unum, is a great complement to PERA survivor benefits and other protections that you as the employer may offer. The PERA life insurance program covers the PERA member, their spouse, and children until their 21st birthday, and includes the following benefits:
- Accidental Death & Dismemberment (AD&D) benefit.
- Optional continued coverage into retirement.
- Early access to benefits if covered member is diagnosed with a terminal illness.
- Access to free life planning and legal assistance in the event of a terminal illness or death.
The annual open enrollment period for PERA’s voluntary life insurance program runs April 1, 2026, through May 31, 2026.
Your employees can enroll online by logging into their PERA account with their User ID and password, or they can print the form and mail it to Unum.
If your employees enroll during the open enrollment period, they will not be asked any health questions or have to take a physical exam.
Our Life Insurance Program Highlights factsheet provides more information about this important benefit. We encourage distribution of this publication to your staff.
Additionally, you may direct your employees to PERA’s life insurance open enrollment page for more information about the annual open enrollment.
Why choose Unum through Colorado PERA?
- Affordable Coverage: Plans start as low as $7.75 per month, conveniently deducted from your paycheck.
- Guaranteed acceptance: Enroll before May 31 and get coverage with no medical questions or exams.
- Automatic dependent protection: Eligible dependents are included at no extra cost.
- Coverage that stays with you: Keep your Unum policy for as long as you’re a PERA member — even after you retire.