Rates

Monthly Costs* for Supplemental Term Life

You have the option to purchase Supplemental Term Life Insurance. Listed below are your monthly rates (based on your age as of your last birthday).

Table

Age Monthly Cost Per $1,000 of Employee Coverage
Under 25 $0.023
25 - 29 $0.023
30-34 $0.023
35-39 $0.033
40-44 $0.047
45-49 $0.058
50-54 $0.092
55-59 $0.172
60-64 $0.202
65-69 $0.446
70-74 $1.135
75-79 $1.135
80+ $1.135

*Note: When a member becomes insured for Supplemental Life Insurance, the premium rate will be based on the member’s age as of the date the member elected Supplemental Life Insurance. Subsequently, the member’s age on each “salary freeze date” will determine the premium rate and changes will become effective at the beginning of the next plan year.

Rates are subject to the policy’s right to change premium rates, and the employer’s right to change employee contributions.

Use the table below to calculate your premium based on the amount of life insurance you will need.

Example: $100,000 Supplemental Life Coverage

Calculate your Premium

1. Enter the rate from the table (example age 36) $0.033 $ _______________
2. Enter the amount of insurance in thousands of dollars
(Example: for $100,000 of coverage enter $100)
100 ________________
3. Monthly premium (1) x (2) $3.30 $ ________________

Repeat the three easy steps above to determine the cost for each coverage selected.

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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 MetLife Accident and Critical Illness Impact Study, October 2013.

2 www.bankrate.com, How big should your emergency fund be?, Accessed May 2017.

3 e-personalFinance.com, How Does Critical Illness Insurance Work, Accessed March 2014.

4 Eligible Family Members mean all persons eligible for coverage as defined in the Certificate.

5 Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. For NH situs groups and NH residents, there is an initial benefit of $100 for All Other Cancer.

6 In certain states, the Covered Condition is Severe Stroke.

7 Please review the Outline of Coverage for specific information about Alzheimer’s disease.

8 MetLife Critical Illness Insurance will pay 100% of the Initial Benefit Amount when a covered person is diagnosed with one of the 7 Listed Conditions. A Covered person may only receive one benefit payment of a Listed Condition in his/her lifetime. The Listed Conditions are: amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebral palsy; cystic fibrosis; multiple sclerosis (definitive diagnosis); muscular dystrophy; sickle cell anemia (excluding sickle cell trait); systemic lupus erythematosus (SLE). MetLife Critical Illness Insurance will pay 25% of the Initial Benefit Amount when a covered person is diagnosed with one of the 15 Listed Conditions. A Covered Person may only receive one benefit payment of a Listed Condition in his/her lifetime. The Listed Conditions are: Addison’s disease (adrenal hypofunction); cerebrospinal meningitis (bacterial); diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple sclerosis (definitive diagnosis); myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; systemic sclerosis (scleroderma); tetanus; and tuberculosis.

9 We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period.
We will not pay a Recurrence Benefit for either a Full Benefit Cancer or Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period.

10 Coverage is guaranteed provided (1) the employee is actively at work and (2) any dependents to be covered are not under medical restriction as described 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.

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

12 Social Security disability advocacy services 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.

METLIFE’S CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife’s CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. In most plans, there is a pre-existing condition exclusion. In most states, after a covered condition occurs there is a benefit suspension period during which benefits will not be paid for a recurrence. MetLife’s Issue Age CII product is guaranteed renewable. Premium rates for MetLife’s Issue Age CII are based on age at the time of the initial coverage effective date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents’ coverage, if applicable, will be based on the covered person’s age at the time of that increase’s effective date. Rates are subject to change for MetLife’s Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP14-CI or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In New York, availability of MetLife's Issue Age CII product is pending regulatory approval.

MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.