For a better experience, click the Compatibility Mode icon above to turn off Compatibility Mode, which is only for viewing older websites.

Life, Accident and Disability Insurance

The following insurance benefits are for benefits-eligible faculty and professional staff and their eligible dependents. For more information and to enroll, log in to DrexelOne, select the Employees Tab, and click on the My Drexel Benefits link.

Paid for by Drexel University

Basic Life Insurance and Accidental Death & Dismemberment (AD&D) Insurance
This benefit provides full-time faculty and professional staff with coverage amounts equal to twice your annual salary to a maximum benefit of $500,000. For Basic Life Insurance and AD&D, if the volume of your life insurance exceeds $50,000, you have the option of limiting your coverage to $50,000 in order to avoid imputed income. If you later decide you would like to elect two times your annual salary, you will then be required to show proof of insurability.

What is imputed income? Currently, the Internal Revenue Service (IRS) says that if an employee receives employer-paid life insurance over $50,000, the value of the coverage is "imputed income" and is taxable. The amount of your imputed income depends on the amount of excess of $50,000 and your age. Imputed income increases your taxable gross income for federal and state income taxes as well as for FICA (Social Security and Medicare) taxes withheld from your paycheck. Your imputed income is reported on your annual W-2 Form, which you file with the IRS each year. For additional information concerning imputed income, please visit the IRS website.

Long-Term Disability Coverage
Long-term disability coverage is a University paid benefit provided to full-time faculty and professional staff members that is equal to 60 percent of your monthly salary following completion of a 90-day elimination period. This program carries a monthly maximum benefit of $20,000. The premiums for this benefit are deducted post-tax through your paycheck, to allow you to receive a pre-tax benefit should you go out on disability. If you have any questions or concerns, please contact Payroll at or 215.895.2885.

Business Travel Accident Insurance
If an employee is injured during business travel, this benefit provides an amount equal to your annual salary and carries a minimum benefit of $100,000 and a maximum benefit of $500,000. More information about this benefit can be read in the following overview documents:

Paid for by the Employee

Short-Term Disability Coverage
Short-term disability is an employee-paid, voluntary benefit, insured through the Designated Insurance Carrier. Deductions are taken on a post-tax basis so that if you are in receipt of the benefit, the income is considered non-taxable.

The benefit provides income continuation to faculty and professional staff members who are unable to work for a continuous period of more than 14 days due to a non-work related illness or injury, which prevents the performance of normal duties of their position.

In order to access this benefit, election must be made into one of two short-term disability benefit plans for the plan year in which a disability commences — either during annual open enrollment or as a new hire. There is no life event that will allow an employee to enroll in either of these plans.

The cost of the benefit depends on your salary and coverage amount. Cost will be reflected for each option in the enrollment system. Both options have very similar plan structure, with the exception of the elimination period:

  • Standard Option: benefits kick in on day 31 of the approved disability
  • Enhanced Option: benefits kick in on day 15 of an approved disability

An employee cannot enroll in both plans.

For more information, please review the applicable policy below:

Long-Term Care Insurance
Drexel offers voluntary Group Long Term Care Insurance underwritten by Genworth Financial. This offering provides a range of coverage options and pays for care in a variety of settings including care at home, in assisted living facilities, in adult day facilities and in all types of nursing facilities. Not to be confused with disability insurance, which pays a portion of your salary should you become disabled, long term care insurance covers the actual costs for covered in-home and facility care (up to your chosen monthly maximum amount). For more information visit

Supplemental Life Insurance
This option provides you with the opportunity to elect additional Group Term Life Insurance for yourself, your spouse and your dependent children (no one may be covered more than once under this plan). Note that you do not have to elect coverage for yourself as an employee in order to elect spouse and/or dependent child coverage. You may elect one, two, three or four times your annual salary in coverage up to a maximum benefit of $2,500,000. Spousal coverage of up to $150,000 and dependent child coverage of $5,000 or $10,000 is also available.

Supplemental Accidental Death & Dismemberment (AD&D) Insurance
Benefits-eligible employees can enroll in supplemental AD&D Insurance.

Whole Life Insurance
Mass Mutual offers a voluntary Whole Life Insurance benefit with a guaranteed issue and no medical information required up to $100,000 of insurance. Any additional amounts over $100,000 require employees to answer a few questions to determine eligibility. Medical exams are not required in either case. The plan features fixed premiums for life, a guaranteed death benefit and cash-value growth. Whole Life Insurance offers portable coverage that you can keep even if you leave Drexel.