Insurance Portability and Conversion

Life Insurance Portability

If you are enrolled in voluntary term life coverage, you and your covered dependents may elect to continue coverage after leaving the UT System through portability. You and your spouse (if covered) must have been insured for at least one year. Portability is not an individual policy and does not have a cash value. Portability rates increase in five-year increments as you age. This coverage may continue until you or your spouse reach age 65 or your spouse or dependent children no longer meet the definition of a spouse or dependent child. You and your covered dependents are not eligible for portability if you have elected conversion or if you retire from the UT System.

To apply for portability:

  1. Determine your premium by using the Portability Premium Calculation Worksheet. The worksheet is available on page two of the Portability Application (see Life Insurance forms).
  2. Complete Part 2 of the application and submit to hrsp@utsystem.edu within 31 calendar days of the date you lose coverage.
  3. OTI will complete Part 1 of the application and return it to you.
  4. Mail your application and payment directly to the insurance company.

For more information, please call BlueCross BlueShield of Texas at 1-866-628-2606.

Life Insurance Conversion

If any portion of life insurance terminates, employees and their covered dependents may convert some of their basic life and/or voluntary life insurance to an individual whole life policy by remitting premium directly to BlueCross BlueShield of Texas. Individuals must have been insured under the policy for at least five years before applying for conversion. Insureds who elect to port coverage (portability) are not eligible to convert (conversion). As long as premiums are paid on time, coverage will continue until the insured submits a request to terminate coverage. Life insurance policies may be converted regardless of your current health and even if you retire from UT System.

To apply for life insurance conversion:

  1. Determine your premium by using the Conversion Premium Calculation Worksheet. The worksheet is available on page two of the Conversion Application (see Life Insurance forms).
  2. Complete Part 2 of the application and submit to hrsp@utsystem.edu within 31 calendar days of the date you lose coverage.
  3. OTI will complete Part 1 of the application and return the application to you.
  4. Mail your application along with payment directly to the insurance company.

For more information, please call BlueCross BlueShield of Texas at 1-866-628-2606.

Long-Term Disability Conversion

If you are enrolled in long-term disability (LTD) insurance, you may be able to convert the coverage to an individual policy. You are not eligible to continue LTD coverage if you retire from UT System, you have not been insured for at least 12 consecutive months under the policy or you are disabled under the terms of the policy. To convert your LTD:

  1. Determine your premium by using the LTD Conversion Calculation Worksheet. The worksheet is available on page five of the Long-Term Disability Conversion Kit (see Long-Term Disability forms).
  2. Review the Long-Term Disability Conversion Kit for additional details.
  3. Complete the last page of the conversion kit (Request for Conversion). Submit the Request for Conversion and Employer Questionnaire pages of the conversion kit to hrsp@utsystem.edu within 31 calendar days of the date you lose coverage.
  4. OTI will complete the Employer Questionnaire and return the application to you.
  5. Mail the Request for Conversion and Employer Questionnaire pages along with payment directly to the insurance company.

Long-Term Care Portability

This benefit is no longer offered as part of the UT Benefits program. If you have continuing coverage under the UT Benefits group number 0010025IS, please contact CNA at 1-888-825-0353 with any questions.