Plan

Your employer provides you with Basic Term Life and Accidental Death and Dismemberment insurance coverage as follows:

Basic Term Life and Accidental Death and Dismemberment (AD&D) Insurance

Class 1 $10,000
Class 2 1 times your basic annual earnings, subject to a maximum of $1,000,000 and a minimum of $50,000
Class 3 2 times your basic annual earnings, subject to a maximum of $1,000,000 and a minimum of $50,000
Class 4/7 1 times your basic annual earnings, subject to a maximum of $1,000,000 and a minimum of $50,000
Class 5 1 times your basic annual earnings, subject to a maximum of $1,000,000 and a minimum of $50,000

If you are insured for Basic Life Insurance, the County of San Diego will provide Dependent Life insurance for your eligible spouse and child(ren) at no cost to you. The amount of Dependent Life Insurance for your eligible spouse is $2,000. The amount of coverage for your child(ren) is $2,000.

The amount of Dependent Life Insurance for your spouse or child may not exceed 50% of the amount of your Basic Life Insurance.

*Child(ren)’s Eligibility: Dependent children ages from birth to age 26, are eligible for coverage. In TX, regardless of student status, child(ren) are covered until age 25.

Supplemental Life and VADD Coverage Options Class 1-4, Class 5, Class 7

Life Class   1-4, 5, 7
For Active Employees
Maximum Supplemental Life Benefit Maximum VADD Benefit
Option 1 An amount equal to 1 times your Basic Annual Earnings $1,000,000 $500,000
Option 2 An amount equal to 2 times your Basic Annual Earnings $1,000,000 $500,000
Option 3 An amount equal to 3 times your Basic Annual Earnings $1,000,000 $500,000

Supplemental Life and VADD Coverage Options Class 6

Life Class 6 For Active Employees Maximum Supplemental Life Benefit Maximum VADD Benefit
Option 1 $10,000 $100,000 N/A
Option 2 $30,000 $100,000 N/A
Option 3 $50,000 $100,000 N/A
Option 4 $75,000 $100,000 N/A
Option 5 $100,000 $100,000 N/A

Class Definitions

Class 1  
AE Appraisal, Fiscal and Purchasing employees  
CE Confidential  
CL Clerical employees  
CM Construction, Maintenance, Operation and Repair employees  
CR Crafts employees  
DI District Attorney Investigators  
DM District Attorney Investigators – Mid-management  
FS Food Service employees  
HS Health Service employees  
MM Middle Management employees  
NS Not Represented Support employees  
PO Probation Officers  
PR Professional employees  
PS Public Service employees  
RN Registered Nurses  
SO Supervising Probation Officers  
SS Social Worker Supervisors  
SW

Social Workers

 
     
Class 2  
AM Child Support Program Attorney Supervisors  
AS Child Support Program Attorneys  
CEM Confidential employees – Management  
DS Deputy Sheriffs  
MA Management employees  
NM Not Represented Managers  
SM Sheriff’s employees – Management  
     
Class 3  
EM Executive Management employees  
EO Elected Officials  
NA Not Represented Administrators  
NE Not Represented Executive employees  
UM Unclassified Management employees  
     
Class 4  
CS County Counsel Supervisors  
Class 5  
PM Public Defenders – Management  
Class 7  
CC Deputy County Counsel  
DA Deputy District Attorneys  
PD Public Defenders  

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Life Insurance Calculator

Calculate your life insurance needs with our life insurance calculator. Find out how much life insurance you may need to protect the ones you love.

Contact Us

Call the County of San Diego Employee Benefits Division at (888) 550-2203
Monday – Friday, 8:00 a.m. – 5:00 p.m. PST

FAQs
Find answers to common questions in our FAQs.

1 National Safety Council Injury Facts, 2015 Edition. Itasca, IL (based deaths and medically consulted injuries by class, 2013).

2 “Outrageous E.R. Hospital Charges: What to Do,” FoxBusiness.com. June 27, 2013.

3 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.

The Social Security disability advocacy services included in your perosnal accident insurance plan are provided by SSDC Services Corp. SSDC Services Corp. is not affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife. The Social Security Disability Advocacy and Advisory Service (DAS) Benefit, provided by SSDC Services Corp., is a subscription service available in all 50 states and is not subject to insurance regulations. 

5 Covered services/treatments must be the result of a covered accident as defined in the group policy/certificate.
See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

6 Eligibility for portability through the Continuation of Insurance with Premium Payment Provision may be subject to certain eligibility requirements and limitations.

METLIFE'S PERSONAL ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. And, like most group accident and health insurance policies, polices offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.