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Life Insurance

Through our partnership with MetLife, active employees will be allowed to increase their additional life insurance by $10,000 without having to answer medical questions. The maximum is still set to $200,000. Employees may also increase their spouse life insurance by $10,000 without having to answer medical questions as long as the total amount for the spouse does not exceed $50,000. 

Coverage Options

Additional Life Insurance Up to $200,000

All eligible employees may elect additional life insurance in any multiple of $10,000, starting at $10,000 up to $200,000, with rates based on your age. During Open Enrollment, eligible employees may enroll or increase their additional life insurance up to the maximum of $200,000. Evidence of insurability is required for any new applicants and any increase exceeding $10,000. Enrollment in basic life insurance is a requirement for enrollment in additional life insurance.

Spouse Life Insurance

If you have additional life insurance for yourself, you may elect coverage for your eligible spouse in $10,000 increments up to a maximum of 50 percent of the employee’s additional life insurance, with rates based on the employee’s age. Evidence of insurability is required for new applicants, any increase exceeding $10,000, or for any amount over $50,000. The employee is the beneficiary of the spouse’s life insurance.

Child Life Insurance

If you have additional life insurance for yourself, you may elect $10,000 or $20,000 of coverage for your eligible children at the rate of $.10 per $1,000 of coverage, regardless of the number of dependent children covered. The employee is the beneficiary of the children's life insurance. Enrollment in child life insurance does not require evidence of insurability.

Rates

Employee Age

Employee Additional Life Insurance

Spouse Life Insurance

Child Life Coverage

Child Life Monthly Deduction

Less than 30

$.041

$.06

$10,000$1

30 to 34

$.056

$.08

$20,000$2

34 to 39

$.064

$.09

  

40 to 44

$.071

$.10

  

45 to 49

$.106

$.15

  

50 to 54

$.163

$.23

  

55 to 59

$.304

$.43

  

60 to 64

$.466

$.66

  

65 to 69

$.898

$1.27

  

70 and Over

$1.455

$2.06

 

 

Calculation Table

Additional Life Insurance Calculation Worksheet

Example Calculation
(Age 40)

Step 1: Amount elected

Line 1: $200,000

Step 2: Line 1 divided by $1,000 equals Line 2

Line 2: 200

Step 3: Select your rate from the table above

Line 3: .071

Step 4: Line 2 multiplied by Line 3 equals Line 4

Line 4: $14.20 per month

Manage Your Coverage

You can begin your online enrollment or increase your coverage by selecting the "Log In to BenefitSolver" button on the Employee Self Service home page.

Review Your Beneficiaries

It is important to designate or update your life insurance beneficiary designations as your life situation changes (e.g. marriage, divorce, death, birth of a child, etc.) to ensure that your life insurance proceeds are paid to the appropriate persons.

Note: A change in your County life insurance plan beneficiary election does not change your Employee Retirement System or Deferred Compensation beneficiary designation—they are separate elections and must be updated separately.

More Information

Additional information including eligibility, basic and legacy life insurance rates, and plan features can be found in the 2020 Active Benefits Guide. (PDF)

 
Revised October 17, 2019         

 

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