Endorsed Insurance Plans

for IMRF Employers
Planes de Seguro Aprobados

Insurance Plans Endorsed by IMRF

IMRF benefits do not include insurance. To give our members access to insurance plans with discounted group rates, IMRF works with insurance consultants. An IMRF-endorsed plan is a plan offered by an insurance consultant that has been reviewed and approved by IMRF’s Board of Trustees.

Voluntary Term Life Insurance

The National Conference on Public Employee Retirement Systems (NCPERS) offers a voluntary life insurance plan for IMRF members. This group decreasing term life insurance plan is provided by The Prudential Insurance Company of America.

You must adopt this plan in order for it to be available to your IMRF members. Premiums are paid through payroll deduction. Visit the NCPERS website for more information or contact the program's administrator: Member Benefits, Ltd. at (800) 525-8056 or at NCPERS@memberbenefits.com if you are interested in offering this plan to your IMRF employees.

While members can only sign up for the plan when they are actively participating in IMRF, they can choose to continue this coverage after retirement.

Health and Long Term Care Insurance

Doyle Rowe LTD oversees several endorsed health plans that are available to IMRF retirees. They also oversee a Long term Care Insurance program that is available for both retired and active IMRF members.

Long Term Care Insurance

IMRF's endorsed Long Term Care (LTC)  insurance is available to active members. The IMRF Board of Trustees recently endorsed a new, optional program that allows IMRF to be treated as a single-employer entity with certain LTC insurance providers. As a result, the new program will offer discounted rates, reduced medical underwriting, and in certain situations, guaranteed issue.

For your IMRF members and retirees to participate, your employer must opt-in to the program. Your employer will incur no cost or administrative burden by opting into the program. To learn more:

Health Plans for Retirees

Doyle Rowe LTD administers the following endorsed health plans for IMRF retirees: