Term Life Insurance and AD&D Insurance

Options for New Employees

• Employee Life, Spouse Life and Child Life
  You have a one-time opportunity to choose some levels of employee and spouse life insurance coverage without providing medical underwriting. Please see Employee, Spouse, and Child Life section for specific limits. Please be advised: no paper Statement of Health form will be mailed for the employee and/or the spouse to complete. An online pre-registration process will need to be completed for a spouse requiring medical underwriting before the Statement of Health form will be available online.
• Employee, Spouse, Child Life, and Accidental Death & Dismemberment
  The State of Georgia’s Life insurance options are offered by MetLife. MetLife has the expertise to help you understand your life insurance needs and the financial strength that you can count on. 

The Flexible Benefits Program offers accidental death and dismemberment (AD&D) insurance to be paid to you or your beneficiary if your injury or death is the result of a covered accident. In case of the permanent and total disability benefit under AD&D, you are eligible for the benefit if your injury prevents you from working at any job for which you are qualified by education, training, or experience.

You may elect 1x – 10x (one to ten times) your pay to a maximum benefit of $2,000,000

Important Notes about Employee, Spouse, Child Life and AD&D Insurance

The life and AD&D insurance amounts you choose will be based on your Benefit Salary as of October 1. This amount is rounded up to the next higher $1,000, after you multiply your coverage and adjust for age reductions.

If your coverage selection requires medical underwriting, you will need to complete the online MetLife Evidence of Insurability Form along with any other required information. An approval by MetLife must be made before coverage can be in effect.

Be sure to designate your beneficiaries by accessing the GaBreeze web site or calling the GaBreeze Benefits Center. Also, you can change and update your beneficiaries at any time.

Please be advised

No paper Statement of Health form will be mailed for the employee and/or the spouse to complete. An online pre-registration process will need to be completed for a spouse requiring medical underwriting before the Statement of Health form will be available online.

Benefit Phone Directory

For information regarding conversion and portability of your Employee Life, Spouse Life, Child Life insurance, and AD&D insurances, contact MetLife toll-free at 1-877-255-5862.