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Life Insurance

Coverage options: MetLife Optional Life Insurance

Who’s Eligible

Coverage Choices

Evidence of Insurability (EOI)/ Statement of Health (SOH) Guidelines

 

Employee

$10,000 up to $300,000 in $10,000 increments.

If you are a public safety employee who scuba dives, or you fly in or pilot a helicopter as part of your job, you may elect coverage in $10,000 increments up to a maximum of $500,000.

Enroll for $50,000 of coverage without answering any medical questions. You may apply for higher coverage amounts by answering a few health questions.* MetLife will mail you an Evidence of Insurability form upon receipt of your enrollment information from the State of Maryland.

 

Spouse

 

$5,000 up to $150,000 in $5,000 increments.

Not to exceed 50% of employee Optional Life benefits.

You cannot have duplicate life insurance coverage under the State plan. If you and your spouse are both State employees and/or retirees, and you cover yourself for life insurance, you cannot be covered as a dependent of your spouse.

Enroll for $25,000 of coverage without answering any health questions. You may apply for higher coverage amounts by answering a few health questions.* MetLife will mail you an Evidence of Insurability form upon receipt of your enrollment information from the State of Maryland.

 

Dependent Child(ren)

$5,000 up to $150,000 in $5,000 increments.

Not to exceed 50% of employee Optional Life benefits.

If child’s parents are both State employees, only one parent can elect coverage.

No health questions are required.

* 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.

Retirees

Life Insurance choices when you retire

Coverage for Yourself
State retirees who retire directly from State service may:

  • Continue life insurance at the same coverage level, subject to the age-related reduction schedule;
  • Reduce life insurance coverage to a minimum of $10,000, also subject to the age-related reduction;
  • Cancel life insurance coverage; or
  • Convert to an individual policy.

You cannot increase your life insurance coverage or add new dependents to your life insurance coverage when you retire or at any time after retirement. If you reduce or cancel life insurance coverage, you will not be permitted to increase coverage or re-enroll in the State Life Insurance plan. There cannot be a break in life insurance coverage between active employment and retirement.

Coverage for Your Dependents
As a retiree, you may choose to continue, reduce, or cancel your dependent life insurance coverage for any dependents that were covered under the life insurance plan while you were an active employee.

Your dependent’s life insurance can never be more than half of your life insurance coverage amount. Spouse or children who had life insurance as the dependent of a deceased retiree can only continue life insurance coverage through a conversion policy.

Automatic Reduction of Benefits for You and Your Dependents
As a retiree, life insurance benefits for you and your dependents will reduce automatically based on your age, according to the reduction schedule below. Premium changes due to an automatic reduction of benefits for you and your dependents will begin the first of your birthday month.

Retiree Benefits Reduction Schedule

At Age: Benefits Reduce To:
65 65% of your and your dependent’s original amount 
70 45% of your and your dependent’s original amount 
75 30% of your and your dependent’s original amount 
80 20% of your and your dependent’s original amount 
Additional Features

Waiver of Premiums for Total Disability (Continued Protection)
You may be eligible to have your Optional and Dependent Term Life insurance premium waived until you reach age 65 or recover from your disability, whichever is sooner, should you become unable to work due to total disability. Total disability or totally disabled means your inability to do your job and any other job for which you are fit by education, training or experience, due to injury or sickness. The total disability must begin before age 60, and your waiver will begin after you have satisfied a 9 month waiting period of continuous disability.

Conversion
You can generally convert your Group Term Life Insurance benefits to an Individual Whole Life Insurance policy if your coverage terminates in whole or in part due to your retirement, termination of employment, or a change in your employee class. Please note that conversion is not available on AD&D coverages.

Accelerated Benefits Option8
You can receive up to 100% of your Life Insurance proceeds in the event that you become terminally ill and are diagnosed with less than 12 months to live. This can go a long way toward helping your family meet medical and other related expenses at this difficult time.

Employee & Spouse Monthly Cost Per $1,000 of Coverage

 

Employee

Spouse

AGE

RATE

 RATE

0 - 29

 $0.03

 $0.09

30 to 34

 $0.04

 $0.10

35 to 39

 $0.05

 $0.10

40 to 44

 $0.08

 $0.18

45 to 49

 $0.13

 $0.28

50 to 54

 $0.20

 $0.42

55 to 59

 $0.37

 $0.65

60 to 64

 $0.52

 $1.00

65 to 69

 $0.77

 $1.45

70 to 74

 $1.38

 $2.28

75 to 79

 $2.06

 $2.28

80 and older

 $2.06

 $2.28

Dependent Child(ren) Monthly Rate per $1,000 of Coverage

$0.14

What’s Not Covered

There is a two-year contestability period during which any materials misstatements made by you can be used by MetLife to deny a claim.

Insurance Materials

Download your Life & AD&D Plan Benefits Overview

Download Life Insurance Certificate

Designating a Beneficiary

Is your life insurance beneficiary information up to date?

You should name a beneficiary for your MetLife insurance coverage(s). This ensures that MetLife will distribute the policy proceeds the way you want after your death.

If you don’t name a beneficiary, or if your beneficiary passes away before you, your life insurance proceeds will be paid in accordance with the Facility of Payment as outlined in your Summary Plan Description (SPD) for Life benefits, listed below in the following order:

  • Your spouse;
  • Your child(ren);
  • Your parent(s);
  • Your siblings; or
  • Your Estate

We encourage you to take a few minutes to review your beneficiary designations, especially after a life event, such as marriage, divorce, birth of a child, etc.

What you need to do:
Please complete the steps below to name or update your beneficiaries through MetLife’s portal, MyBenefits as soon as possible:

1. Gather the following information about each of your beneficiaries

  • For individuals, you need the beneficiary's full name, full address, phone number and date of birth.
  • For trusts, you need the trust name, address, phone number and trust date.

2. Visit our website at metlife.com/mybenefits and enter ‘State of Maryland’ in the Company Name field. Click the ‘Next’ button.

3. Log in to your MyBenefits account with your username and password or register as a new user.

4. After you log in, choose Group Life insurance. At the top of the page, choose the link for ‘Beneficiaries’. 

5. Enter details about each of your beneficiaries and print a copy for your records.

Changes to your beneficiary are effective immediately. You will also receive an electronic confirmation notice, which allows you to easily print a paper copy of your designations for your records.

If you don’t have access to the internet, contact MetLife and they will send you a Beneficiary Designation Form

Download MyBenefits Registration Flyer here:

Contact Us

For more information call 1-866-574-2863.