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Frequently Asked Questions

Why are life and accidental death & dismemberment insurance important? Collapsed Expanded

They are competitively-priced ways to protect your family and finances in the event something happens to you. For many people, these coverages help ensure that if the unforeseen should happen, short and long term financial obligations could be met. If you have a spouse and/or children, they may rely on you to help keep the household running. It’s important to take steps to make sure your family would be financially prepared if you were no longer there to handle expenses like:

  • Mortgage or rent payments
  • Insurance premiums
  • Transportation
  • Utilities
  • Child care/education fees
  • Credit card

 

Accidental death and dismemberment benefits (AD&D) can provide financial security should a sudden accident take your life or cause you serious loss or harm. This coverage complements your life insurance coverage and helps protect you 24 hours a day, 365 days a year.

How much life insurance do I need? Collapsed Expanded

Probably more than you have now. You should keep in mind that insurance needs change as your life changes — for example, getting married, starting a family or purchasing a home. Many people are surprised to learn that they don’t have enough life insurance to cover the many expenses their loved ones may face. We’ve made it very simple to determine the amount of coverage you need now: Go to http://www.lifeonlinecalculator.com/ to find your answer in minutes.

How much does a MetLife insurance plan cost? Collapsed Expanded

It may be less expensive than you think. MetLife has designed these group life insurance plans to be an economical way for you to provide for your family. You’ll enjoy competitive group rates, with a wide range of coverage options to choose from. Exact rates can be found in the enrollment materials provided by your employer.

How do I pay for my coverage? Collapsed Expanded

Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

How are claims paid? Collapsed Expanded

Proceeds are paid to your beneficiary through a tax free death benefit.

What other benefits are included? Collapsed Expanded

This plan also includes access to services through MetLife AdvantagesSM that help you navigate what life may bring — at no additonal cost to you.

Funeral Discount & Planning Services1 Helps alleviate the burden of making funeral arrangements from your loved ones. Get access to the largest network of funeral homes and cemeteries to pre-plan with a counselor and receive discounts on funeral services.

Will Preparation Services2  Offers in-person will preparation for you and your spouse/domestic partner at no additional cost when you use a Hyatt Legal Plans attorney.

Estate Resolution Services2  With this service, executors or adminstrators may receive in-person legal assistance with probating your and your spouse’s/domestic partner’s estates. Beneficiaries can also consult an attorney for general questions about the probate process.

Portability3  Provides an opportunity to continue your group term life insurance coverage with MetLife if your coverage terminates due to a qualifying event.

Grief Counseling4  Available with basic term life insurance, provides the insured and dependents in-person or telephone sessions with a grief counselor.

Funeral Assistance4  Work with compassionate counselors that assist you with customizing funeral arrangements to honor a loved one’s life with personalized one-on-one service.

Accelerated Benefit Option5  Provides early access to funds in the event of a terminal illness.

If you need to change or update your name, address, telephone number or marital status please contact

  • Active Employees
    You can log into Workday to update name, address, telephone, or marital status; or contact Human Resources or your Agency Benefit Coordinator
    Local:  410-767-4775
    Toll free: 1-800-307-8283
  • Retirees
    You can update information in Workday or call the State of Maryland Employee Benefits Division
    Local:  410-767-4775
    Toll free: 1-800-307-8283