There are two Life Insurance benefits available through Texas Health. Click here to learn the difference in these two plans.

Life insurance through Prudential pays a benefit after the death of a covered person. In the event of your death, benefits are paid to the person you have named as your beneficiary. If your covered spouse or dependent child dies, benefits are paid to you.

Summary of Coverage

As a benefits-eligible employee, Texas Health provides life insurance coverage equal to your annual base pay, up to $50,000 — even if you don’t elect any additional coverage. This table shows your basic, company-paid coverage, as well as your choices for additional and dependent coverage.

Benefit Plan Coverage Amount

Who Pays Premiums

Employee Life Insurance
Basic Life Insurance for You One times your annual base pay up to $50,000

Texas Health

Additional Life Insurance for You One to 6 times your annual base pay (rounded to the next $1,000) up to $2,000,0001 including Basic Life2


Dependent Life Insurance
Spouse Life Insurance $10,000 increments up to $50,0003,4


Child Life Insurance $10,000 for all your eligible children; coverage begins from date of live birth4,5


1 Medical underwriting or evidence of insurability is required for coverage over $1,000,000.

2 You may increase your coverage when you have an qualified status change or during the open enrollment period. If you are absent from work because of sickness or injury on the date your Life and/or AD&D coverage or increase in coverage would otherwise become effective, your effective date will be deferred until you return to active service. 

3 You may increase your spouse’s coverage by $10,000 during the open enrollment period. The cost of coverage for your spouse is based on the employee’s age as of Jan. 1, 2019.

4 If your dependent is hospitalized or disabled, or if the employee is not actively at work at the time, a change or increase in the amount of coverage may be delayed and subsequent claims will not be paid for the increased amount. The increase in coverage will not start until the hospitalization or disability ends or until the employee returns to work.

5 Eligible unmarried children can continue to be covered to age 25.


Naming a Beneficiary

What is a beneficiary? A beneficiary is a person that is paid money by your plan, in the event of your death. To be sure that your money is paid out to who you want, you’ll need to add your beneficiary in the enrollment system.

Tips for Beneficiary

Additional Resources

  • FinancialPoint (benefit for employee’s beneficiaries or for terminally ill employees with approved claims)
  • IDResources (benefit for anyone living in the household of an employee)
  • To obtain a copy of the life insurance policy, visit The policy number/access code is 52002. 

Who to Contact with Questions

For questions related to life insurance or filing a claim, please contact Texas Health Benefits Support at 1-877-MyTHRLink (1-877-698-4754) prompt 9. You may also contact Prudential at 1-877-MyTHRLink (1-877-698-4754) prompt 6, press 2.