Continue your group insurance

Woman and man attending a baseball game together.

You were protected with group insurance from Principal® as part of the benefits package from your former employer. This may have included:

  • Group life
  • Critical illness1
  • Accident and/or
  • Long-term disability insurance

And even though your employment has ended, you may have options for continuing these benefits—through portability and/or conversion.

  • Portability – Extend your current coverage to another policy, without answering medical questions.
  • Conversion – Change your coverage to an individual2 policy, without answering medical questions.

You have a limited amount of time (generally 1-2 months) to port or convert your coverage without proof of good health. That’s why it’s important to enroll in insurance as soon as possible after your group coverage ends. 

  • Dental and/or vision coverage - If you’re interested in continuing your dental and/or vision coverage after your employment ends, coverage may be available to you through the Consolidated Omnibus Budget Reconciliation Act (COBRA). Contact your former employer or Principal at GroupBenefitsAdmin@principal.com.

Note: The benefits under your new coverage will vary from your former policy. These changes will be reflected in the benefit booklet you’ll receive after you’ve enrolled.

If eligible3, you may convert your term life coverage to an individual life insurance policy. And your spouse and children may also convert their coverage—even if you don’t convert yours. Minimum and maximum coverage requirements may apply and may vary by state. Follow these steps to enroll:

  1. Review the application instructions/rate sheet for your state (see table below) and the group life conversion FAQ sheet (PDF).
  2. Complete the application for individual life insurance—group conversion for your state (see table below).
  3. Mail the completed application and your first premium to the address listed on the application.

You have 31 days after the date your group coverage ends to convert coverage without proof of good health. Conversion rates will be based on your current age and smoking status. Refer to the documents above for additional details regarding rates.

Compare portability and conversion in this sample (PDF).

Questions? Contact us at:

Email:
 BenefitContinuation@principal.com
Phone: 800-986-3343, ext. 76398. Monday through Friday, 7 a.m. - 6 p.m. CT.

State4ApplicationApplication instructions/
rate sheet

Alabama

AA1220

AA933C

Alaska

AA1220

AA933C

Arizona

AA1220

AA933C

Arkansas

AA1220

AA933C

California

AA1220ST

AA933C

Colorado

AA1220

AA933C

Connecticut

AA1220

AA933C

Delaware

AA1220ST

AA933C

District of Columbia

AA1220DC

AA933C

Florida

AA1220FL

AA933C

Georgia

AA1220

AA933C

Hawaii

AA1220

AA933C

Idaho

AA1220

AA933C

Illinois

AA1220

AA933C

Indiana

AA1220

AA933C

Iowa

AA1220

AA933C

Kansas

AA1220

AA933C

Kentucky

AA1220

AA933C

Louisiana

AA1220AAATERMUL

AA3401B

Maine

AA1220

AA933C

Maryland

AA1220

AA933C

Massachusetts

AA1220

AA933C

Michigan

AA1220

AA933C

Minnesota

AA1220

AA933C

Mississippi

AA1220

AA933C

Missouri

AA1220

AA933C

Montana

AA1220AAATERMUL

AA3401B

Nebraska

AA1220

AA933C

Nevada

AA1220

AA933C

New Hampshire

AA1220

AA933C

New Jersey

AA1220

AA933C

New Mexico

AA1220

AA933C

New York

AA1226

AA3401B

North Carolina

AA1220

AA933C

North Dakota

AA1220ST

AA933C

Ohio

AA1220

AA933C

Oklahoma

AA1220

AA933C

Oregon

AA1220

AA933C

Pennsylvania

AA1220

AA933C

Rhode Island

AA1220

AA933C

South Carolina

AA1220

AA933C

South Dakota

AA1220ST

AA933C

Tennessee

AA1220

AA933C

Texas

AA1220

AA933C

Utah

AA1220

AA933C

Vermont

AA1220

AA933C

Virginia

AA1220

AA933C

Washington

AA1220

AA933C

West Virginia

AA1220AAATERMUL

AA3401B

Wisconsin

AA1220

AA933C

Wyoming

AA1220

AA933C

If eligible,5 you may extend, or port, your voluntary term life coverage to another group term life policy. And if you port your coverage, your spouse and children may also port their coverage. You may port any amount—up to the amount of your current voluntary term life coverage (not to exceed $500,000 for employees and $250,000 for spouses).

Follow these steps to enroll:

  1. Complete the group term life insurance portability application for your state (see table below).
  2. Mail the completed application and your first premium to the address listed on the application.

You have 60 days (31 days in New York) after the date your group coverage ends to port coverage without proof of good health.  

Once ported, your coverage renews annually in May until the date noted in your summary of benefits. And each year, you’ll receive a letter about any changes for the upcoming year.  Rates may change on renewal, based on your age and new pricing.

Compare portability and conversion in this sample (PDF).

Questions? Contact us at:

Email: BenefitContinuation@principal.com
Phone: 800-986-3343, ext. 79994. Monday through Friday, 7 a.m. - 6 p.m. CT.

State4Application
AlabamaGP60860
AlaskaNot available
ArizonaGP60004
ArkansasGP60004
CaliforniaGP60004
ColoradoGP60004
ConnecticutGP60004
DelawareGP60004
District of ColumbiaGP60004
FloridaGP60004
GeorgiaGP60004
HawaiiGP60004
IdahoGP60004
IllinoisGP60004
IndianaGP60004
IowaGP60004
KansasGP60004
KentuckyGP60026
LouisianaGP60004
MaineGP60027
MarylandGP60028
MassachusettsGP60004
MichiganGP60004
MinnesotaGP60029
MississippiGP60004
MissouriGP60004
MontanaGP60030
NebraskaGP60004
NevadaGP60004
New HampshireGP60573
New JerseyGP60031
New MexicoGP60004
New YorkGP60032
North CarolinaGP60532
North DakotaGP60004
OhioGP60004
OklahomaGP60004
OregonGP60004
PennsylvaniaGP60004
Rhode IslandGP60004
South CarolinaGP60033
South DakotaGP60004
TennesseeGP60004
TexasGP60004
UtahGP60004
VermontGP60004
VirginiaGP60004
WashingtonGP60035
West VirginiaGP60004
WisconsinGP60004
WyomingGP60004

If eligible6, you may extend, or port, your critical illness1 coverage to another group critical illness policy. And if you port your coverage, your spouse and children may also port their coverage.

Your scheduled benefits will be the same as they were previously, although the continued coverage may have provisions that differ from your prior coverage. For example, wellness/screening benefits won’t be available.

Follow these steps to enroll:

  1. Complete the group critical illness insurance portability application for your state (see table below).
  2. Mail the completed form and your first premium to the address listed on the form.

You have 60 days after the date your group coverage ends to port coverage.  

Once ported, your coverage renews annually in May until the date noted in your summary of benefits. And each year, you’ll receive a letter about any changes for the upcoming year.  Rates may change on renewal, based on your age and new pricing.

Questions? Contact us at:

Email: BenefitContinuation@principal.com
Phone: 800-986-3343, ext. 79994. Monday through Friday, 7 a.m. - 6 p.m. CT.

State4

Application

Alabama

GP60858

Alaska

GP60581

Arizona

GP60581

Arkansas

GP60581

California

GP60282

Colorado

Not available

Connecticut

GP61078

Delaware

GP60283

District of Columbia

GP61427

Florida

GP60818

Georgia

GP60999

Hawaii

GP60284

Idaho

GP60581

Illinois

GP60285

Indiana

GP60581

Iowa

GP60581

Kansas

GP60581

Kentucky

Not available

Louisiana

GP60581

Maine

GP60291

Maryland

GP60292

Massachusetts

GP60581

Michigan

GP62496

Minnesota

GP60293

Mississippi

GP60581

Missouri

GP60581

Montana

Not available

Nebraska

GP60581

Nevada

GP60688

New Hampshire

Not available

New Jersey

GP60296

New Mexico

Not available

New York

GP60297

North Carolina

GP60581

North Dakota

GP60581

Ohio

GP60581

Oklahoma

GP60581

Oregon

Not available

Pennsylvania

GP60581

Rhode Island

GP60287

South Carolina

GP60299

South Dakota

GP60581

Tennessee

GP61030

Texas

GP60581

Utah

Not available

Vermont

GP60288

Virginia

GP60289

Washington

GP60300

West Virginia

GP60581

Wisconsin

GP60581

Wyoming

GP60581

If eligible,6 you may extend, or port, your accident coverage to another group accident policy. And if you port your coverage, your spouse and children may also port their coverage.

Your scheduled benefits will be the same as they were previously, although the continued coverage may have provisions that differ from your prior coverage. For example, only accidental injuries incurred off-the-job will be covered, and wellness/screening benefits won’t be available.

Follow these steps to enroll:

  1. Complete the group accident insurance portability enrollment form for your state (see table below).
  2. Mail the completed form and your first premium to the address listed on the form.

You have 60 days after the date your group coverage ends to port coverage. 

Once ported, your coverage renews annually in May until the date noted in your summary of benefits. And each year, you’ll receive a letter about any changes for the upcoming year.  Rates may change on renewal.

Questions? Contact us at:

Email: BenefitContinuation@principal.com
Phone: 800-986-3343, ext. 79994. Monday through Friday, 7 a.m. - 6 p.m. CT. 

State4

Enrollment form

Alabama

GP61634

Alaska

GP61635

Arizona

GP61636

Arkansas

GP61637

California

GP61638

Colorado

Not available

Connecticut

GP61639

Delaware

GP61587

District of Columbia

GP61640

Florida

GP61603

Georgia

GP61591

Hawaii

GP61641

Idaho

GP61642

Illinois

GP61643

Indiana

GP61644

Iowa

GP61558

Kansas

GP61645

Kentucky

Not available

Louisiana

GP61604

Maine

GP61602

Maryland

GP61598

Massachusetts

GP61597

Michigan

GP61647

Minnesota

GP61648

Mississippi

GP61649

Missouri

GP61595

Montana

Not available

Nebraska

GP61651

Nevada

GP61652

New Hampshire

Not available

New Jersey

GP61599

New Mexico

GP61653

New York

GP61632

North Carolina

GP61590

North Dakota

GP61654

Ohio

GP61655

Oklahoma

GP61656

Oregon

Not available

Pennsylvania

GP61657

Rhode Island

GP61658

South Carolina

GP61593

South Dakota

GP61659

Tennessee

GP61594

Texas

GP61660

Utah

Not available

Vermont

Not available

Virginia

GP61601

Washington

GP61596

West Virginia

Not available

Wisconsin

GP61664

Wyoming

GP61665

If eligible,7 you may convert your long-term disability coverage to another long-term disability insurance policy. Contact your former employer to see if you’re eligible for this option.

You have 31 days (45 days in New York) after the date your group coverage ends to convert coverage without proof of good health. Once converted, your coverage renews annually until the date noted in your benefit summary.

Note: If you’re currently receiving long-term disability benefits, you’re not eligible for long-term disability conversion.

Questions? Contact us at:

Email: BenefitContinuation@principal.com
Phone: 800-986-3343, ext. 89179. Monday through Friday, 7 a.m. - 6 p.m. CT. 

1 Specified disease in New York.

2 Group policy for long-term disability insurance.  

3 Refer to your booklet for eligibility details.

4 Use the state of your former employer.

5 Not available if you are over 70 or your employer terminated the policy and replaced it with another carrier.

6 Requirements typically include being insured for 12 months and under age 70.

7 Refer to your booklet or prior employer to verify if conversion is available and for additional eligibility details.

This summary is intended as a general statement of the group insurance you can purchase from Principal® under the terms of your current group coverage. It does not summarize all of the provisions required by law, nor does it contain all of the qualifications and limitations that apply to the insurance being offered to you. If any provision presented here is found to be in conflict with federal or state law, that provision will be applied to comply with the respective federal or state law. CRITICAL ILLNESS AND ACCIDENT INSURANCE PROVIDE LIMITED BENEFITS. The policy determines all rights, benefits, limitations and exclusions of the insurance described here. Oregon Policy # GC 6000 (PORT)-1 (09-10) and GC 6000 (VTL) (06/04).

Insurance from Principal® is issued by Principal National Life Insurance Company (except in New York) and Principal Life Insurance Company. Principal Life and Principal National are members of the Principal Financial Group®, 711 High Street, Des Moines, IA 50392

Principal National Life Insurance Company Policy Form: SN 77; Rider Forms: SN 7, SN 9, SN 10, SN 11, SN 25, SN 38, SN 49, SN 50, SN 54, SN 90, ICC14 SN 92/SN 92 and ICC14 SN 93/SN 93

Principal Life Insurance Company Policy Form: SF 914NY/SF 914 NY U; Rider Forms: SF 612NY, SF 729NY A, SF794NY, SF 803NY/SF 803 NY U, SF 804NY, SF 892NY, SF 898NY, SF 933NY

EC4800-01