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Voluntary Benefit Programs

Basic Plus Life Insurance

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

Basic Plus Life Insurance
If the HSTA-R member wants more insurance coverage, basic plus life insurance is available. Premium cost is based on the age and the amount of life insurance coverage.

For your convenience, the premiums are automatically deducted from your retirement allowance.

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

How to enroll
Should an HSTA-R 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 beneficiary needs to file a claim for life insurance, s/he should contact the HSTA VEBA TRUST office.

Paying premiums
For your convenience, life insurance premiums are automatically deducted via retirement allowance.


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

Contact Website Technical Support
regarding questions related to the use of this website.

Toll Free(866) 367-8265