Plan

Eligibility and Enrollment Details

As a new excluded employee of the State of California, you have an opportunity to enroll in Supplemental Life Insurance Coverage for yourself, spouse/domestic partner and child(ren). You will receive an enrollment kit in the mail within 30 days from your date of hire.

As an existing employee of the State of California you have the opportunity to enroll in or increase your Supplemental Life Insurance Coverage at any time subject to Medical Underwriting. You can find the Enrollment and Beneficiary forms under the Forms tab above.

To access the Plan Summary, click here.

To access a copy of the Supplemental Life certificate, click here

To access a copy of the Basic Life certificate, click here

To access a video that will help you better understand your benefits, click here

For Management Employees, Superior Court Judges and Municipal Court Judges: $50,000
For Confidential and Supervisory Employees: $25,000
Employee You may elect coverage amounts in $10,000 increments up to eight (8) times your basic annual earnings, not to exceed $750,000. Evidence of Insurability is required to become covered for any amount of Supplemental Life Insurance.
Spouse or Domestic Partner Flat Increments of $7,500, $15,000, $25,000 and $50,000. You must apply for at least $20,000 in Supplemental life coverage in order to apply for spouse or domestic partner life coverage.
Dependent Child(ren) Under 6 months old: $750, Over 6 months old: $7,500.

OAD&D

What is Optional Accidental Death & Dismemberment Insurance?

Optional Accidental Death & Dismemberment Insurance (OAD&D) insurance complements your Supplemental Life Insurance with coverage for severe accidents or loss of life on or off the job. OAD&D insurance pays benefits if you suffer a covered accident that results in paralysis or the loss of a limb, speech, hearing or sight, or if you suffer a covered fatal accident.

MetLife will review your information and evaluate your request for coverage based upon your answers to the health questions, MetLife’s underwriting rules, and other information you authorize us to review. In certain cases, MetLife may request additional information to evaluate your request for coverage.

MetLife Advantages℠

Your plan includes access to MetLife Advantages℠—a comprehensive suite of valuable services for support, planning, and protection when you need it most. Services include:
  • Face‐to‐Face Will Preparation Services1 
    Offers you and your spouse or domestic partner face‐to‐face meetings with an attorney, from Hyatt Legal Plans’ network of over 13,500 participating attorneys, to prepare or update a will, living will, Power of Attorney, and other estate documents.
  • Face‐to‐Face Estate Resolution Services1 
    Estate representatives and beneficiaries may receive face‐to‐face legal assistance with probating your and your spouse’s or domestic partner’s estates. Beneficiaries can also consult an attorney, from Hyatt Legal Plans’ network of more than 13,500 participating attorneys, for general questions about the probate process.
  • Total Control Account®2 
    The Total Control Account (TCA) is a settlement option that provides your loved ones with a safe and convenient way to manage life insurance proceeds. They'll have the convenience of immediate access to any or all of their proceeds through an interest bearing account with unlimited check‐writing privileges. The Total Control Account also allows beneficiaries time to decide what to do with their proceeds.
  • Funeral Discount Services 
    Funeral Discounts and Planning Services4 You and your family may have access to funeral discounts, planning and support to help honor a loved one’s life - at no additional cost to you. Dignity Memorial provides you and your loved ones access to discounts of up to 10% off of funeral, cremation and cemetery services through the largest network of funeral homes and cemeteries in the United States.
Additional plan features:
  • Accelerated Benefits Option3 
    You can receive up to 80% of your Supplemental Life Insurance proceeds to a maximum of $250,000 in the event that you become terminally ill and are diagnosed with less than six (6) months to live. This can go a long way toward helping your family meet medical and other related expenses at this difficult time.

1 Will Preparation Services and Estate Resolution Services are offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, Will Preparation Services and Estate Resolution Services are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI. These services are provided at no additional cost to those who purchase Supplemental Life Insurance only. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.

2 Subject to state law, and/or group policyholder direction, the Total Control Account is provided for all Life and AD&D benefits of $5,000 or more. The TCA is not insured by the Federal Deposit Insurance Corporation or any government agency. The assets backing TCA are maintained in MetLife’s general account and are subject to MetLife’s creditors. MetLife bears the investment risk of the assets backing the TCA, and expects to earn income sufficient to pay interest to TCA Accountholders and to provide a profit on the operation of the TCAs.

3 The Accelerated Benefits Option is subject to state regulation and is intended to qualify for favorable federal income tax treatment, in which case the benefits will not be subject to federal income taxation. This information was written as a supplement to the marketing of life insurance products. Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you, your spouse or your family.

4 Grief Counseling and Funeral Planning services are provided through an agreement with Harris, Rothenberg International (HRI), Inc. HRI is not an affiliate of MetLife, and the services HRI provides are separate and apart from the insurance provided by MetLife. HRI has a nationwide network of over 35,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. Subject to state regulatory approval, not approved in all states. The grief counseling program does not provide support for issues such as domestic issues, parenting issues, or marital/ relationship issues (other than a finalized divorce). For such issues, members should inquire with their human resources departments about available company resources. This program is available to insureds, their dependents and beneficiaries, who must have received a serious medical diagnosis or suffered a loss that has occurred, meaning, the diagnosis or loss must have taken place prior to accessing the grief counseling program. Events that may result in a loss are not covered under this program unless and until such loss has occurred.

This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and the State of California and are subject to each state’s laws and availability. Specific details regarding these provisions can be found in the booklet certificate.

Life coverage is provided under a group insurance policy (Policy Form GPNP99/G2130‐S) issued to your employer by MetLife. Life coverage under your employer’s plan terminates when your employment ceases, when your Life contributions cease, or upon termination of the group contract. Should your life insurance coverage terminate for reasons other than non‐payment of premium or voluntary cancellation, you may convert it to a MetLife individual permanent policy without providing medical evidence of insurability.