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Voluntary Benefit Programs

Basic Plus Life Insurance

HSTA members are eligible for many additional insurance programs like the program offered on this page. Take advantage today!

Based on the member's age, life insurance coverage can be purchased to a maximum of $161,000 for the active member up to age 44, $18,500 for a spouse, and $2,000 for each child under age 23, provided the child is a full time college student.

To eliminate the health questionnaire requirement, members have 60 days after becoming an HSTA member to enroll in life insurance coverage, or can sign up during open enrollment periods.

For your convenience, premiums are paid via payroll deduction.

What is Life Insurance?
Life insurance provides a lump sum of money to beneficiaries upon death of the insured. It is intended to replace the deceased's loss of current and some future income. Whether the insured dies of natural or accidental causes, his/her beneficiaries will receive lump payments. Whether or not to purchase life insurance, and how much, is a personal choice based on what the person is trying to protect. Life insurance can help:

  • Replace the loss of future income
  • Provide the ability for a spouse/partner to keep a home
  • Allow a surviving partner to raise and educate children
  • Unlike whole life insurance, term insurance has no cash value

How much insurance to purchase?
The amount of insurance needed, if any, depends on individual circumstances. Many people find that as they get older they need less life insurance. If there are adequate retirement savings, the mortgage is paid, and children and elderly parents are financially independent, very little or no life insurance may be needed. However life insurance may also play a role in choosing retirement income options, depending on the health of the employee and/or dependents. Life insurance should be viewed in the context of the individual's total financial plans.

Determining insurance needs requires evaluating current and future assets as well as expenses such as:

  • Costs of staying in your home
  • Child care costs
  • Elder care costs
  • College expenses
  • Education/training/re-training for a spouse or partner currently working at home
  • Costs of assisting a disabled family member

Download: PGL Basic Plus Life Insurance Rates

How to enroll
Teachers have 60 days after becoming an HSTA member to enroll in the life insurance program without being subject to medical review. HSTA VEBA TRUST automatically sends application forms to HSTA members. If you did not receive an application, please contact the HSTA VEBA TRUST office.

After the 60-day window, should an HSTA member want to enroll in the life insurance program, s/he should contact the HSTA VEBA TRUST office. Enrollment is allowed subject to a medical review.


Filing a claim
If a member must file a claim for life insurance, s/he should contact the HSTA VEBA TRUST office.

Paying premiums
For your convenience, life insurance premiums are paid via payroll deduction. To determine whether the correct amount is being deducted from your paycheck, contact the HSTA VEBA TRUST office.

Insurance and premiums during leave of absence
Members who take a leave of absence from the DOE will be billed for their premiums.

To ensure uninterrupted coverage, teachers should inform HSTA VEBA TRUST that they will be on leave, or are currently on leave.


Contact Trust Office
regarding questions about your benefits

Telephone NumberCustomer Support
(808) 440-6940 (Oahu)
(800) 637-4926
(toll free from Neighbor Islands)

ContactTrust Office
Contact by Email

Click for MapVisit Us
1259 Aala St., Ste 202
Honolulu, HI 96817

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